Spokane, WA · Charter 68261
Q3 2010
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | 0.02% | -10.71% | -4.89% | -2.72% | -2.92% | 1.03% | -5.33% | -44 bps | |
| Return on Equity | -0.42% | 0.22% | -276% | -114.10% | -59.92% | -77.54% | 30.04% | n/a | n/a | |
| Net Interest Margin | 4.45% | 4.52% | 5.07% | 6.12% | 6.42% | 6.90% | 7.53% | 8.21% | +210 bps | |
| Efficiency Ratio | 95.84% | 96.57% | 143.13% | 93.97% | 88.67% | 86.94% | 92.10% | 95.06% | +109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 50.64% | 64.98% | 55.25% | 34.43% | 18.54% | 7.58% | -3.74% | -13.53% | -4,796 bps | |
| Loan Growth (YoY) | 45.64% | 51.33% | 55.95% | 44.33% | 28.83% | 15.64% | 0.88% | -12.30% | -5,663 bps | |
| Share Growth (YoY) | 56.94% | 72.49% | 66.38% | 44.77% | 24.52% | 12.35% | -2.22% | -9.24% | -5,400 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.68% | 5.01% | 5.11% | 5.03% | 4.93% | 8.11% | 6.41% | 6.78% | +174 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 | 0.35% | 0.31% | 1.39% | 1.45% | 1.46% | 2.28% | 2.63% | 5.52% | +407 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.75% | 7.20% | 3.88% | 4.29% | 4.54% | 3.77% | 3.44% | -0.36% | -465 bps | |
| Net Worth / Assets | 7.75% | 7.20% | 3.88% | 4.29% | 4.54% | 3.77% | 3.44% | -0.36% | -465 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.06% | 88.63% | 85.36% | 90.12% | 90.08% | 91.22% | 88.07% | 87.08% | -304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |