Issaquah, WA · Cert 58620
FDIC
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -10.32% | -3.26% | -3.00% | -0.79% | 0.01% | -0.91% | 0.22% | -1.51% | -72 bps | |
| Return on Equity | -60.79% | -21.27% | -29.52% | -8.40% | 0.13% | -8.92% | 2.14% | -14.86% | -645 bps | |
| Net Interest Margin | 3.80% | 4.17% | 3.38% | 3.35% | 3.71% | 3.90% | 4.06% | 4.02% | +66 bps | |
| Efficiency Ratio | 112.94% | 98.36% | 123.72% | 122.79% | 99.61% | 104.12% | 94.66% | 147.51% | +2,472 bps | |
| Non-Interest Burden | 4.37% | 4.09% | 4.22% | 4.16% | 3.70% | 4.07% | 3.84% | 5.53% | +137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.65% | 1.87% | 373% | 326% | 340% | 287% | -14.28% | -8.47% | -33,419 bps | |
| Loan Growth (YoY) | 47.10% | 18.42% | 391% | 333% | 310% | 309% | -10.34% | -6.17% | -33,931 bps | |
| Deposit Growth (YoY) | 78.56% | 7.71% | 414% | 354% | 359% | 292% | -15.12% | -8.68% | -36,226 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 | -0.03% | 5.67% | 0.87% | 0.27% | 3.18% | 0.71% | 0.00% | 0.36% | +9 bps | |
| Allowance / Loans | 2.41% | 2.02% | 3.75% | 4.04% | 3.31% | 3.35% | 3.38% | 3.44% | -60 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 | 22.96% | 22.01% | 13.98% | 14.45% | 14.70% | 14.52% | 14.69% | 14.81% | +37 bps | |
| Equity / Assets | 16.31% | 14.40% | 9.24% | 9.59% | 10.03% | 10.38% | 10.38% | 9.92% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.19% | 90.81% | 88.05% | 85.50% | 88.68% | 94.66% | 93.01% | 87.85% | +235 bps | |
| Liquid Assets / Assets | 14.21% | 19.50% | 20.77% | 19.60% | 19.08% | 15.61% | 15.60% | 18.41% | -119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |