Seattle, WA · Charter 68338
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.70% | 0.51% | 0.36% | 0.22% | -0.69% | -0.22% | -0.51% | -86 bps | |
| Return on Equity | 0.21% | 7.18% | 5.01% | 3.46% | 2.26% | -7.23% | -2.33% | -5.51% | -898 bps | |
| Net Interest Margin | 5.40% | 4.63% | 4.88% | 4.96% | 4.62% | 4.45% | 4.38% | 4.29% | -67 bps | |
| Efficiency Ratio | 81.22% | 86.78% | 86.78% | 86.35% | 88.42% | 96.88% | 96.05% | 99.87% | +1,352 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.73% | -4.84% | -6.59% | -3.24% | 2.24% | 0.69% | 6.88% | 7.00% | +1,024 bps | |
| Loan Growth (YoY) | -16.86% | -20.52% | -23.30% | -16.97% | -18.23% | -6.59% | -2.37% | -11.25% | +572 bps | |
| Share Growth (YoY) | -4.41% | -4.66% | -7.32% | -3.05% | 3.35% | 0.51% | 6.66% | 7.57% | +1,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.78% | 1.58% | 1.55% | 1.31% | 0.77% | 0.79% | 0.11% | -144 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 | 0.85% | 0.77% | 0.74% | 0.62% | 0.74% | 0.70% | 0.73% | 0.74% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 9.69% | 10.14% | 10.29% | 9.77% | 9.50% | 9.36% | 9.21% | -109 bps | |
| Net Worth / Assets | 9.77% | 9.69% | 10.14% | 10.29% | 9.77% | 9.50% | 9.36% | 9.21% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.78% | 74.15% | 72.47% | 74.43% | 67.08% | 68.91% | 66.34% | 61.41% | -1,302 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |