Bellevue, WA · Cert 58720
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.31% | -2.38% | -2.08% | 0.37% | 0.30% | 0.04%1 | 0.20%1 | 0.24% | -13 bps | |
| Return on Equity | -28.39% | -20.16% | -17.75% | 3.23% | 2.72% | 0.36% | 1.93% | 2.37% | -87 bps | |
| Net Interest Margin | 2.88% | 2.95% | 3.01% | 4.13% | 3.73% | 3.53% | 3.34% | 3.20% | -93 bps | |
| Efficiency Ratio | 168.40% | 147.94% | 145.31% | 96.23% | 91.75% | 93.85% | 93.24% | 109.00% | +1,277 bps | |
| Non-Interest Burden | 5.06% | 4.52% | 4.49% | 3.95% | 3.32% | 3.26% | 3.06% | 3.50% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.29% | 14.93% | 3.51% | 10.54% | 14.98% | 22.82% | 15.65% | 11.25% | +71 bps | |
| Loan Growth (YoY) | 27.97% | 52.73% | 63.42% | 55.66% | 53.00% | 31.17% | 0.00% | -5.06% | -6,072 bps | |
| Deposit Growth (YoY) | 28.97% | 20.18% | 3.99% | 11.81% | 16.06% | 26.51% | 17.54% | 11.70% | -11 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 | 3.28% | 1.84% | 1.68% | 0.29% | 0.10% | 0.05% | -0.01% | -0.36% | -65 bps | |
| Allowance / Loans | 3.70% | 2.86% | 2.09% | 1.90% | 2.12% | 2.15% | 2.55% | 2.37% | +47 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 | 27.78% | 26.53% | 23.66% | 24.32% | 24.31% | 22.27% | 25.48% | 27.03% | +271 bps | |
| Equity / Assets | 11.92% | 12.19% | 11.41% | 11.23% | 10.43% | 9.61% | 10.00% | 10.32% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.83% | 63.08% | 67.74% | 70.70% | 65.69% | 65.41% | 57.63% | 60.09% | -1,061 bps | |
| Liquid Assets / Assets | 20.71% | 8.54% | 8.91% | 8.95% | 18.22% | 10.12% | 17.47% | 17.16% | +821 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |