Seattle, WA · Charter 68339
Q1 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.54% | -2.79% | -2.27% | -1.32% | -3.13% | -3.20% | -2.30% | -2 bps | |
| Return on Equity | -3.96% | -4.57% | -29.20% | -24.50% | -13.99% | -38.16% | -40.83% | -32.26% | -776 bps | |
| Net Interest Margin | 3.80% | 3.64% | 3.90% | 3.28% | 3.23% | 3.51% | 3.50% | 3.37% | +9 bps | |
| Efficiency Ratio | 106.45% | 109.54% | 161.06% | 97.28% | 93.68% | 129.00% | 123.17% | 185.14% | +8,786 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | 3.16% | 200% | 194.58% | 170.47% | 158.00% | -11.88% | -13.58% | -20,816 bps | |
| Loan Growth (YoY) | -9.61% | -9.75% | 155.15% | 148.28% | 153.51% | 156.68% | -9.79% | -5.80% | -15,408 bps | |
| Share Growth (YoY) | 1.23% | 3.28% | 211% | 206% | 175.33% | 167.20% | -9.60% | -10.91% | -21,729 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 0.96% | 1.71% | 3.53% | 3.70% | 3.33% | 2.85% | 3.48% | -5 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 | 0.62% | 0.52% | 0.74% | 0.70% | 0.66% | 2.27% | 2.04% | 2.44% | +173 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.01% | 11.82% | 9.54% | 9.28% | 9.43% | 8.21% | 7.83% | 7.12% | -216 bps | |
| Net Worth / Assets | 12.01% | 11.82% | 9.54% | 9.28% | 9.43% | 8.21% | 7.83% | 7.12% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.67% | 63.84% | 61.12% | 58.53% | 60.46% | 61.33% | 60.98% | 61.89% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |