Seattle, WA · Charter 68311
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Seattle, WA · Charter 68311
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.53% | -2.24% | -2.24% | -2.62% | 0.55% | 0.18% | -0.63% | -1.61% | +101 bps | |
| Return on Equity | -49.68% | -24.51% | -25.92% | -34.72% | 7.30% | 2.35% | -8.58% | -22.83% | +1,190 bps | |
| Net Interest Margin | 3.53% | 3.55% | 3.59% | 3.61% | 3.77% | 3.80% | 3.67% | 3.87% | +26 bps | |
| Efficiency Ratio | 84.06% | 67.65% | 69.36% | 73.87% | 67.99% | 71.09% | 64.23% | 66.68% | -719 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.51% | -0.83% | -0.91% | 2.14% | 2.94% | 2.71% | 4.92% | -0.84% | -298 bps | |
| Loan Growth (YoY) | 8.62% | -1.92% | -4.68% | -3.88% | -3.11% | -5.87% | -9.90% | -12.55% | -867 bps | |
| Share Growth (YoY) | 6.37% | 0.70% | 1.52% | 5.61% | 4.91% | 4.66% | 6.80% | -0.21% | -582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.86% | 2.93% | 3.09% | 3.26% | 3.25% | 3.77% | 3.44% | 3.16% | -10 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 | 1.24% | 1.80% | 2.32% | 2.96% | 2.94% | 2.75% | 3.08% | 3.89% | +92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.12% | 9.15% | 8.64% | 7.55% | 7.53% | 7.55% | 7.37% | 7.05% | -50 bps | |
| Net Worth / Assets | 9.12% | 9.15% | 8.64% | 7.55% | 7.53% | 7.55% | 7.37% | 7.05% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.87% | 86.71% | 86.82% | 84.41% | 81.15% | 77.98% | 73.24% | 73.97% | -1,044 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |