Ferndale, WA · Charter 68234
Q3 2012
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | -0.26% | -0.25% | -0.03% | -0.02% | -0.48% | 0.06% | -1.70% | -167 bps | |
| Return on Equity | -2.68% | -1.25% | -1.31% | -0.15% | -0.09% | -2.35% | 0.27% | -8.68% | -853 bps | |
| Net Interest Margin | 4.76% | 3.96% | 3.67% | 4.07% | 4.09% | 3.57% | 3.50% | 3.40% | -67 bps | |
| Efficiency Ratio | 103.69% | 98.74% | 97.84% | 93.79% | 95.20% | 90.81% | 87.31% | 138.69% | +4,489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.06% | 18.60% | 18.95% | 7.81% | 6.65% | -0.08% | -7.47% | 2.27% | -553 bps | |
| Loan Growth (YoY) | -0.21% | -10.51% | -11.23% | -7.04% | -13.03% | -10.24% | -12.12% | -14.13% | -709 bps | |
| Share Growth (YoY) | 4.32% | 26.71% | 26.22% | 11.21% | 9.51% | 0.26% | -9.14% | 3.02% | -819 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.80% | 4.22% | 3.82% | 0.47% | 1.36% | 0.63% | 1.61% | 4.25% | +378 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 | 0.87% | 1.33% | 1.35% | 1.33% | 1.38% | 1.31% | 1.12% | 1.20% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.21% | 20.67% | 19.23% | 21.34% | 21.57% | 20.61% | 20.92% | 19.59% | -174 bps | |
| Net Worth / Assets | 23.21% | 20.67% | 19.23% | 21.34% | 21.57% | 20.61% | 20.92% | 19.59% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.17% | 78.80% | 71.51% | 80.65% | 79.56% | 70.54% | 69.16% | 67.23% | -1,343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |