Spokane, WA · Charter 68206
Q3 2015
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.15% | 0.22% | 0.24% | 0.18% | 2.03% | 1.17% | 0.72% | +48 bps | |
| Return on Equity | 4.23% | 1.53% | 2.24% | 2.35% | 1.79% | 20.09% | 11.34% | 6.87% | +452 bps | |
| Net Interest Margin | 2.71% | 2.73% | 2.80% | 2.81% | 2.84% | 2.61% | 2.64% | 2.71% | -10 bps | |
| Efficiency Ratio | 86.60% | 91.45% | 93.46% | 94.19% | 94.26% | 70.43% | 78.16% | 84.23% | -996 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 2.24% | 0.51% | -2.78% | -2.41% | 2.52% | 2.86% | 1.58% | +436 bps | |
| Loan Growth (YoY) | 5.23% | 2.17% | -0.91% | -0.83% | -5.05% | -5.62% | -4.31% | -0.08% | +76 bps | |
| Share Growth (YoY) | 5.17% | 1.60% | -0.55% | -3.67% | -3.07% | 2.44% | 3.04% | 1.37% | +504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.04% | 1.00% | 1.04% | 1.09% | 0.26% | 0.32% | 0.36% | -67 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 | 0.70% | 0.77% | 0.63% | 0.58% | 0.63% | 0.66% | 0.59% | 0.59% | +2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.66% | 9.69% | 9.93% | 10.04% | 10.08% | 10.09% | 10.31% | 10.42% | +38 bps | |
| Net Worth / Assets | 9.66% | 9.69% | 9.93% | 10.04% | 10.08% | 10.09% | 10.31% | 10.42% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.44% | 48.58% | 49.82% | 49.53% | 48.43% | 44.75% | 46.26% | 48.82% | -71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |