Portland, OR · Charter 11186
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.44% | -1.36% | -1.42% | -1.26% | -1.59% | -2.15% | -2.44% | -32757% | -3,275,541 bps | |
| Return on Equity | -6.53% | -6.04% | -6.16% | -6.43% | -7.58% | -9.77% | -9.62% | -32757% | -3,275,023 bps | |
| Net Interest Margin | 1.26% | 1.33% | 1.31% | 1.08% | 1.13% | 0.94% | 0.97% | -31728% | -3,172,908 bps | |
| Efficiency Ratio | 214% | 202% | 208% | 216% | 240% | 328% | 352% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.17% | -5.56% | -3.48% | 9.36% | -2.06% | -6.07% | -17.18% | -99.92% | -10,928 bps | |
| Loan Growth (YoY) | 21.75% | -23.38% | -22.60% | -28.78% | -40.51% | -85.54% | -90.17% | -100.00% | -7,122 bps | |
| Share Growth (YoY) | -1.47% | -5.30% | -2.48% | 14.25% | -0.62% | -5.50% | -19.67% | -100.00% | -11,425 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 6.62% | 6.53% | 21.66% | 14.96% | n/a | n/a | |
| 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 | 8.31% | 10.29% | 10.62% | 11.76% | 13.98% | 71.15% | 108.03% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 22.12% | 22.48% | 23.00% | 19.57% | 20.99% | 22.05% | 25.38% | 100.00% | +8,043 bps | |
| Net Worth / Assets | 22.12% | 22.48% | 23.00% | 19.57% | 20.99% | 22.05% | 25.38% | 100.00% | +8,043 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.54% | 19.71% | 19.98% | 14.94% | 14.09% | 3.02% | 2.44% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |