Seattle, WA · Charter 68382
Q2 2001
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 4.25% | 3.80% | 0.35% | 0.96% | 0.88% | -4.61% | -841 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 7.04% | -44.06% | n/a | |
| Net Interest Margin | n/a | n/a | 5.10% | 5.82% | 5.76% | 5.49% | n/a | |
| Efficiency Ratio | n/a | n/a | 80.39% | 72.28% | 73.30% | 167.44% | n/a | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -3.54% | -4.64% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 14.28% | 10.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -5.65% | -3.99% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 7.10% | 6.87% | 9.13% | 4.96% | 9.12% | 9.83% | +296 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.89% | 3.66% | 3.56% | 3.55% | 3.82% | 3.47% | -19 bps | |
| Capital | ||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.54% | 10.47% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.54% | 10.47% | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Shares | 86.28% | 89.30% | 96.80% | 102.15% | 104.51% | 103.15% | +1,385 bps | |
| Liquid Assets / Assets | 22.45% | 19.00% | 6.79% | 2.32% | 9.44% | 8.04% | -1,095 bps | |