Seattle, WA · Cert 58437
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | 0.16% | 0.57% | 0.69% | 0.24% | 7.31% | 0.14% | 0.14% | -55 bps | |
| Return on Equity | -4.14% | 1.35% | 4.71% | 5.65% | 2.01% | 58.15% | 1.06% | 1.02% | -463 bps | |
| Net Interest Margin | 3.64% | 3.97% | 4.21% | 4.50% | 3.72% | 3.62% | 3.47% | 3.65% | -84 bps | |
| Efficiency Ratio | 76.17% | 74.82% | 85.86% | 87.89% | 82.34% | 93.25% | 96.66% | 96.67% | +879 bps | |
| Non-Interest Burden | 2.47% | 2.48% | 3.43% | 3.78% | 2.83% | 3.31% | 3.33% | 3.51% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.88% | -4.99% | -10.17% | -11.83% | 0.92% | 5.20% | 6.19% | 6.30% | +1,813 bps | |
| Loan Growth (YoY) | -1.86% | -5.77% | -5.48% | 0.98% | 4.79% | 5.17% | 3.31% | 2.40% | +141 bps | |
| Deposit Growth (YoY) | 10.20% | -6.45% | -12.08% | -13.98% | 0.70% | 2.87% | 3.80% | 5.12% | +1,910 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 | 2.77% | 3.00% | 0.13% | -0.87% | 2.18% | 0.40% | 1.09% | 0.00% | +87 bps | |
| Allowance / Loans | 1.77% | 1.50% | 1.57% | 1.74% | 1.57% | 1.53% | 1.34% | 1.30% | -43 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 | 15.98% | 17.21% | 18.24% | 17.79% | 17.22% | 17.15% | 16.74% | 16.04% | -175 bps | |
| Equity / Assets | 11.21% | 11.93% | 12.19% | 12.20% | 11.55% | 13.61% | 13.62% | 13.45% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.49% | 87.83% | 86.17% | 88.19% | 86.88% | 89.79% | 85.76% | 85.90% | -229 bps | |
| Liquid Assets / Assets | 15.89% | 14.01% | 16.30% | 14.36% | 16.45% | 13.89% | 12.68% | 0.88% | -1,348 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |