Seattle, WA · Charter 68334
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.76% | 0.81% | 0.67% | 0.50% | -0.85% | -0.53% | -1.14% | -180 bps | |
| Return on Equity | 6.90% | 5.95% | 6.37% | 4.94% | 4.06% | -6.09% | -3.79% | -8.85% | -1,378 bps | |
| Net Interest Margin | 5.06% | 4.57% | 4.73% | 4.92% | 4.35% | 4.26% | 4.31% | 3.83% | -109 bps | |
| Efficiency Ratio | 83.70% | 85.17% | 84.58% | 87.79% | 89.70% | 105.82% | 105.06% | 112.62% | +2,484 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.80% | -6.93% | -4.22% | -3.38% | 7.78% | -7.07% | -11.13% | -1.20% | +218 bps | |
| Loan Growth (YoY) | -23.49% | -25.71% | -16.69% | -10.19% | -8.73% | -6.76% | -14.28% | -22.00% | -1,181 bps | |
| Share Growth (YoY) | -9.73% | -8.31% | -4.67% | -4.26% | 8.87% | -7.93% | -11.57% | -2.34% | +193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.68% | 0.98% | 1.82% | 3.16% | 1.86% | 1.50% | 0.99% | -83 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 | 0.56% | 0.61% | 0.61% | 0.60% | 0.62% | 0.40% | 0.42% | 0.66% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.66% | 12.79% | 12.64% | 13.49% | 12.24% | 13.92% | 14.09% | 12.85% | -64 bps | |
| Net Worth / Assets | 12.66% | 12.79% | 12.64% | 13.49% | 12.24% | 13.92% | 14.09% | 12.85% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.08% | 71.53% | 70.25% | 75.47% | 65.46% | 72.45% | 68.10% | 60.28% | -1,519 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |