Tacoma, WA · Cert 58477
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 | -2.42% | -4.51% | -2.74% | -7.26% | -8.23% | -582 bps | |
| Return on Equity | -11.90% | -34.15% | -21.19% | -60.47% | -73.84% | -6,194 bps | |
| Net Interest Margin | 2.62% | 2.69% | 2.57% | 2.67% | 3.28% | +66 bps | |
| Efficiency Ratio | 162.53% | 141.19% | 146.08% | 141.98% | 141.57% | -2,096 bps | |
| Non-Interest Burden | 4.33% | 3.91% | 3.90% | 3.91% | 4.77% | +45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 76.63% | 86.32% | 38.66% | 10.60% | -11.33% | -8,796 bps | |
| Loan Growth (YoY) | 104.57% | 66.03% | 27.73% | -4.56% | -22.43% | -12,699 bps | |
| Deposit Growth (YoY) | 107.37% | 151.57% | 47.06% | 6.83% | -13.49% | -12,086 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 3.16% | 2.57% | 2.93% | 4.93% | +482 bps | |
| Allowance / Loans | 1.92% | 2.72% | 2.41% | 3.18% | 4.43% | +252 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 | 14.12% | 12.48% | 13.23% | 12.37% | 10.57% | -355 bps | |
| Equity / Assets | 14.71% | 11.90% | 12.30% | 9.05% | 7.14% | -758 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.72% | 97.19% | 97.44% | 99.55% | 98.38% | -1,134 bps | |
| Liquid Assets / Assets | 0.94% | 15.71% | 15.51% | 20.00% | 21.44% | +2,050 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |