Tacoma, WA · Charter 68235
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Tacoma, WA · Charter 68235
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.15% | -2.50% | -2.48% | -2.50% | -2.72% | -4.42% | -1.98% | +50 bps | |
| Return on Equity | 5.19% | 1.27% | -23.44% | -24.13% | -25.81% | -30.32% | -56.98% | -24.87% | -75 bps | |
| Net Interest Margin | 4.25% | 4.24% | 3.89% | 3.91% | 4.02% | 4.12% | 4.27% | 4.34% | +43 bps | |
| Efficiency Ratio | 86.27% | 92.32% | 149.67% | 128.96% | 137.58% | 140.70% | 100.34% | 85.51% | -4,345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.93% | -2.33% | -3.26% | -3.24% | -1.67% | -1.95% | -2.12% | -1.43% | +182 bps | |
| Loan Growth (YoY) | -10.38% | -7.85% | -4.17% | -1.65% | 7.52% | 9.42% | 11.83% | 14.23% | +1,588 bps | |
| Share Growth (YoY) | -4.60% | -3.69% | -3.42% | -1.35% | -2.63% | -1.83% | -1.84% | -3.01% | -166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.65% | 1.10% | 0.38% | 0.34% | 0.55% | 0.79% | 1.26% | +88 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 | 0.52% | 0.66% | 0.55% | 0.67% | 0.64% | 0.74% | 0.79% | 0.91% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.68% | 11.45% | 10.67% | 10.27% | 9.69% | 8.96% | 7.75% | 7.97% | -230 bps | |
| Net Worth / Assets | 11.68% | 11.45% | 10.67% | 10.27% | 9.69% | 8.96% | 7.75% | 7.97% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.86% | 74.26% | 71.61% | 72.57% | 81.55% | 82.76% | 81.58% | 85.47% | +1,290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |