Bellevue, WA · Cert 58002
FDIC
Q4 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -1.89% | -2.41% | -3.62% | -3.45% | -315 bps | |
| Return on Equity | -2.17% | -16.10% | -21.09% | -33.36% | -32.79% | -3,063 bps | |
| Net Interest Margin | 3.13% | 3.23% | 3.19% | 2.80% | 3.03% | -10 bps | |
| Efficiency Ratio | 99.79% | 110.15% | 108.43% | 113.48% | 113.78% | +1,400 bps | |
| Non-Interest Burden | 3.13% | 3.56% | 3.46% | 3.19% | 3.46% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.77% | 32.75% | 13.49% | 6.26% | -4.60% | -2,837 bps | |
| Loan Growth (YoY) | 30.71% | 28.46% | 2.49% | -13.64% | -18.31% | -4,902 bps | |
| Deposit Growth (YoY) | 28.45% | 39.83% | 17.22% | 10.46% | -1.13% | -2,958 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.14% | 2.66% | 1.82% | 1.47% | +139 bps | |
| Allowance / Loans | 1.74% | 2.45% | 2.96% | 2.52% | 3.35% | +161 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.25% | 12.87% | 13.66% | 14.42% | 13.81% | +57 bps | |
| Equity / Assets | 12.11% | 11.34% | 10.80% | 9.16% | 9.08% | -304 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.83% | 95.90% | 83.87% | 78.93% | 82.48% | -1,735 bps | |
| Liquid Assets / Assets | 10.80% | 12.72% | 22.71% | 24.79% | 23.37% | +1,257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |