Seattle, WA · Charter 67693
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.89% | 0.47% | 0.40% | 0.63% | 0.82% | 0.78% | 1.30% | +90 bps | |
| Return on Equity | 7.27% | 10.74% | 5.76% | 4.98% | 7.80% | 9.73% | 9.21% | 14.30% | +932 bps | |
| Net Interest Margin | 3.25% | 3.38% | 3.38% | 3.33% | 3.23% | 3.25% | 3.16% | 2.97% | -37 bps | |
| Efficiency Ratio | 76.24% | 69.10% | 75.49% | 75.69% | 72.80% | 69.87% | 73.43% | 68.55% | -714 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.80% | 4.89% | 2.31% | 1.16% | 2.80% | 2.52% | 4.83% | 4.25% | +309 bps | |
| Loan Growth (YoY) | -8.58% | -5.23% | -1.00% | 1.43% | 2.45% | -1.35% | -2.95% | -8.90% | -1,033 bps | |
| Share Growth (YoY) | 7.99% | 4.54% | 1.87% | 1.13% | 2.37% | 2.33% | 3.95% | 2.91% | +178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.16% | 1.12% | 2.21% | 2.37% | 2.34% | 2.33% | 1.56% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.72% | 1.76% | 1.84% | 1.81% | 1.83% | 1.62% | 1.35% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.86% | 8.24% | 8.16% | 8.12% | 8.05% | 8.41% | 8.42% | 9.09% | +97 bps | |
| Net Worth / Assets | 7.86% | 8.24% | 8.16% | 8.12% | 8.05% | 8.41% | 8.42% | 9.09% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.08% | 61.77% | 63.25% | 62.47% | 59.13% | 59.55% | 59.05% | 55.29% | -717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |