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Weve waited before and at the last minute the rug was pulled from under us. Yeah, we do want you like we say but we will take someone else to make sure we have someone thats worthy of our program and will help us become better. (To bring in a kid like Markelle who if you believe the rankings will be a top three pick in next years NBA draft how did that happen this late in your career? Youre going into Year 15 and youve never recruited a kid quite like this.) Markelle is very unique. Guys like that dont come around very often. No. 1 with talent set. And then No. 2, hes his own man. His mom shes her own person.
For the original version including any supplementary images or video, visit Lorenzo Romar breaks down 2016-17 Washington men’s basketball team | The Seattle Times
Tangible book value* increased to $23.30 per share at June 30, 2016, compared to $22.78 per share at March 31, 2016, and $21.47 per share a year ago, mainly as a result of a steady contribution from earnings less cash dividends paid. Northrim remains well-capitalized with Tier 1 Capital to Risk Adjusted Assets of 13.85% at June 30, 2016, compared to 13.66% at March 31, 2016, and 12.67% a year ago. Total shareholders’ equity to total assets was 12.12% at the end of the second quarter of 2016 compared to 12.02% at the end of the prior quarter and 11.40% at the end of the second quarter of 2015, while tangible common equity to tangible assets* was 10.72% at June 30, 2016, compared to 10.61% at March 31, 2016, and 9.97% a year ago. Alaska Economic Update Northrim Bank sponsors the Alaskanomics blog to provide news, analysis, and commentary on Alaskas economy. Join the conversation at Alaskanomics.com or for more information on the Alaska economy, visit: www.northrim.com and click on the About Northrim link and then click “Alaska’s Economy”. Information from our website is not incorporated into, and does not form a part of this press release. Read More Employment in the Alaska economy was essentially flat during the first half of 2016, which represents a more moderate overall impact from the decrease in the global price of oil compared to what other energy producing regions in the nation have experienced thus far, said Beedle. According to the Alaska Department of Labor, preliminary data shows that average employment in the State of Alaska in 2016 decreased 0.1% in the first six months of 2016 as compared to the same period in 2015, as job losses in the oil and gas industry, construction, state government and professional and business services have been partially offset by growth in retail trade, health care, and leisure and hospitality jobs. “As the Alaska economy has slowed, our loan demand has also slowed moderately. However, we believe our pipeline of loans for underwriting remains healthy,” said Beedle. We believe our state government is having difficulty addressing the states fiscal deficit issues, which we believe can be funded from draws from Alaskas substantial reserves for no more than three additional years. We also believe that systemic reductions in government expenses, increased taxation, and use of earnings from the Alaska Permanent Fund provide opportunities for the State of Alaska to fund its deficit. We believe that Alaska has been more resilient than other energy dependent states, because we did not have an overheated energy sector or an overbuilt housing market when energy and commodities prices began to fall, Beedle continued. Review of Income Statement Consolidated Income Statement In the period ending June 30, 2016, Northrim generated a return on average assets of 1.17% and a return on average equity of 9.42%, as compared to a 0.88% return on average assets and 7.67% return on average equity posted by the 331 banks that make up the SNL U.S. Bank Index. Similarly, our NIM and tax equivalent NIM* for the second quarter of 2016 were 4.21% and 4.27% compared to 2.77% tax equivalent for the index peers. 1 Net Interest Income/Net Interest Margin Net interest income decreased 1% to $14.1 million in the second quarter of 2016 as compared to $14.2 million in both the previous and year ago quarters, primarily due to a decrease in average loan balances from the first quarter of 2016, and a decrease in the yield on portfolio loans compared to the second quarter of 2015. Net interest income increased 2% in the first half of 2016 to $28.3 million compared to $27.8 million in the first half of 2015, primarily due to reduced interest expense on borrowings as well as higher average portfolio loan balances on a year-to-date basis, which was only partially offset by lower yields. NIM and tax equivalent NIM* decreased in the second quarter of 2016 compared to linked quarter and compared to the second quarter of 2015, and also decreased for the first six months of 2016 as compared to the same period in 2015. We have experienced a gradual decline in our NIM primarily as a result of the flattening of the yield curve, lower loan balances, and higher securities holdings, said Schierhorn. The Company’s tax equivalent NIM*, which is primarily comprised of activities in the community banking segment, remained well above the average for the 331 banks in the SNL U.S. Bank Index of 2.77% as of March 31, 2016. interviewWe are continuing to forecast tax equivalent NIM* stabilizing in the 4.20% to 4.30% range, regardless of interim changes in Fed Funds rates. We believe tax equivalent NIM should benefit once interest rates rise another 50 basis points or the yield curve steepens, and would be adversely affected if rates continue to fall and the yield curve continues to flatten, said Latosha Frye, Chief Financial Officer. Provision for Loan Losses The provision for loan losses decreased to $200,000 in the second quarter of 2016 from $703,000 in the first quarter of 2016 and $376,000 in the second quarter of 2015.
For the original version including any supplementary images or video, visit Northrim BanCorp Earns $4.4 Million, or $0.63 per Diluted Share in 2Q16