Yakima, WA · Charter 67876
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Yakima, WA · Charter 67876
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.28% | 1.29% | 0.98% | 1.02% | 0.81% | 0.94% | 0.75% | -23 bps | |
| Return on Equity | 14.82% | 12.63% | 12.62% | 9.58% | 9.60% | 7.49% | 8.48% | 6.80% | -278 bps | |
| Net Interest Margin | 3.53% | 3.66% | 3.67% | 3.86% | 3.86% | 3.77% | 3.83% | 3.77% | -9 bps | |
| Efficiency Ratio | 58.21% | 61.96% | 62.91% | 68.57% | 69.58% | 74.11% | 71.96% | 72.39% | +382 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.93% | 6.44% | 4.90% | 4.25% | 5.37% | 9.84% | 6.17% | 5.88% | +164 bps | |
| Loan Growth (YoY) | 2.74% | 2.20% | 1.75% | 1.65% | -3.39% | -7.35% | -4.76% | -1.24% | -289 bps | |
| Share Growth (YoY) | 11.02% | 6.74% | 4.71% | 3.10% | 4.38% | 9.58% | 4.80% | 2.52% | -58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 1.99% | 1.78% | 1.46% | 2.22% | 1.29% | 1.93% | 1.77% | +31 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 | 0.66% | 0.70% | 0.76% | 0.80% | 0.88% | 0.94% | 1.02% | 1.31% | +51 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.83% | 10.12% | 10.22% | 10.19% | 10.65% | 10.79% | 11.15% | 10.98% | +79 bps | |
| Net Worth / Assets | 9.83% | 10.12% | 10.22% | 10.19% | 10.65% | 10.79% | 11.15% | 10.98% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.26% | 87.46% | 84.12% | 81.28% | 78.92% | 73.95% | 76.44% | 78.30% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |