Seattle, WA · Charter 68015
Q1 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.84% | 0.84% | 0.74% | 0.70% | 0.54% | 0.48% | 0.46% | -27 bps | |
| Return on Equity | 8.98% | 7.94% | 7.66% | 6.64% | 6.37% | 5.11% | 4.64% | 4.51% | -213 bps | |
| Net Interest Margin | 5.09% | 5.08% | 5.24% | 5.51% | 5.36% | 5.00% | 4.91% | 4.74% | -77 bps | |
| Efficiency Ratio | 74.76% | 74.95% | 74.65% | 74.12% | 73.83% | 75.24% | 75.79% | 74.86% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.50% | 16.71% | 1.10% | 0.45% | -0.21% | 6.25% | 10.79% | 13.04% | +1,259 bps | |
| Loan Growth (YoY) | 16.76% | 17.07% | 11.41% | 8.76% | 7.69% | 9.89% | 6.78% | 4.62% | -414 bps | |
| Share Growth (YoY) | 14.88% | 15.57% | 1.72% | -1.25% | -1.11% | 6.61% | 9.80% | 13.05% | +1,430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.33% | 2.13% | 2.17% | 2.02% | 1.84% | 1.51% | 1.42% | 1.28% | -74 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 | 1.75% | 1.64% | 1.61% | 1.61% | 1.65% | 1.63% | 1.66% | 1.72% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.31% | 10.53% | 10.97% | 11.09% | 11.04% | 10.50% | 10.39% | 10.23% | -86 bps | |
| Net Worth / Assets | 10.31% | 10.53% | 10.97% | 11.09% | 11.04% | 10.50% | 10.39% | 10.23% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.91% | 94.77% | 100.53% | 101.59% | 97.92% | 97.69% | 97.76% | 94.01% | -758 bps | |
| Liquid Assets / Assets | 12.06% | 10.99% | 6.03% | 5.90% | 7.86% | 8.10% | 6.02% | 9.30% | +340 bps | |