Pasco, WA · Cert 58183
FDIC · 2 branches
Q4 2014
Market Position · Kennewick-Richland, WA · 2014 SOD (annual) · 1.4% share · #15 of 16 inst. · $0.0B of $2.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | -1.71% | 0.15% | -6.09% | -4.28% | 0.06% | -1.06% | 4.95% | +1,104 bps | |
| Return on Equity | 4.13% | -21.08% | 1.77% | -77.47% | -63.61% | 0.94% | -16.47% | 70.54% | +14,800 bps | |
| Net Interest Margin | 4.05% | 4.38% | 4.19% | 3.84% | 4.00% | 3.76% | 4.01% | 3.86% | +1 bps | |
| Efficiency Ratio | 89.13% | 91.35% | 93.54% | 115.26% | 90.57% | 92.11% | 119.18% | 92.62% | -2,264 bps | |
| Non-Interest Burden | 3.59% | 3.97% | 3.91% | 4.47% | 3.58% | 3.41% | 4.89% | 3.56% | -90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.85% | -4.28% | -17.38% | -12.51% | -14.02% | -8.37% | -10.22% | -6.96% | +555 bps | |
| Loan Growth (YoY) | -2.98% | -9.61% | -12.54% | -21.59% | -21.35% | -15.12% | -13.89% | -4.81% | +1,678 bps | |
| Deposit Growth (YoY) | -4.92% | -3.87% | -18.55% | -11.77% | -12.75% | -6.51% | -8.15% | -7.26% | +451 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.55% | 3.41% | -0.12% | 3.30% | 7.99% | -0.66% | -5.71% | 0.22% | -307 bps | |
| Allowance / Loans | 1.23% | 1.17% | 1.30% | 2.67% | 2.32% | 2.57% | 4.15% | 2.60% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.45% | 12.21% | 12.94% | 11.65% | 9.91% | 10.03% | 9.92% | 11.87% | +22 bps | |
| Equity / Assets | 7.91% | 8.38% | 8.41% | 7.29% | 6.16% | 6.47% | 6.34% | 7.70% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.29% | 87.37% | 83.43% | 75.73% | 75.08% | 79.32% | 78.22% | 77.73% | +200 bps | |
| Liquid Assets / Assets | 4.06% | 4.53% | 4.52% | 5.50% | 5.45% | 5.70% | 5.82% | 5.92% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |