Tacoma, WA · Charter 68326
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 68326
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 | 0.11% | 3.48% | 2.70% | 2.03% | 1.67% | 1.19% | 1.17% | 1.21% | -82 bps | |
| Return on Equity | 0.93% | 28.53% | 21.28% | 15.37% | 12.56% | 8.81% | 8.48% | 8.47% | -691 bps | |
| Net Interest Margin | 3.00% | 2.91% | 2.92% | 2.98% | 2.91% | 2.63% | 2.70% | 2.75% | -23 bps | |
| Efficiency Ratio | 70.11% | 60.89% | 63.87% | 63.95% | 66.54% | 63.93% | 62.46% | 62.98% | -97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.58% | 1.71% | 1.97% | -0.03% | 0.27% | -1.90% | -1.59% | 0.01% | +4 bps | |
| Loan Growth (YoY) | -3.25% | -1.09% | -0.78% | -1.88% | -9.28% | -2.37% | -2.38% | -8.22% | -634 bps | |
| Share Growth (YoY) | -1.94% | 0.26% | 0.09% | -2.01% | -1.60% | -3.43% | -2.77% | -1.20% | +81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.71% | 0.68% | 0.54% | 2.65% | 2.95% | 4.24% | 8.05% | +751 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 | 2.31% | 1.16% | 0.71% | 1.06% | 1.23% | 1.17% | 1.08% | 1.04% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 12.19% | 12.71% | 13.20% | 13.27% | 13.49% | 13.78% | 14.25% | +106 bps | |
| Net Worth / Assets | 11.64% | 12.19% | 12.71% | 13.20% | 13.27% | 13.49% | 13.78% | 14.25% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.12% | 53.02% | 52.63% | 53.89% | 50.82% | 53.60% | 52.84% | 50.06% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |