Medford, OR · Charter 11393
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.54% | 1.81% | 1.83% | 1.61% | 1.42% | 1.35% | 1.36% | 1.46% | -14 bps | |
| Return on Equity | 32.56% | 22.10% | 21.34% | 18.54% | 16.06% | 15.10% | 14.76% | 15.60% | -294 bps | |
| Net Interest Margin | 2.75% | 4.40% | 4.41% | 4.51% | 4.40% | 4.30% | 4.25% | 4.26% | -25 bps | |
| Efficiency Ratio | 45.77% | 60.07% | 61.62% | 63.25% | 66.03% | 69.22% | 68.96% | 65.21% | +196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 48.74% | 44.85% | 44.18% | 46.31% | 6.07% | 6.13% | 6.23% | 7.15% | -3,916 bps | |
| Loan Growth (YoY) | 49.83% | 44.34% | 42.68% | 40.64% | 2.97% | 12.44% | 16.37% | 22.59% | -1,805 bps | |
| Share Growth (YoY) | 49.12% | 44.24% | 43.70% | 45.49% | 4.86% | 5.07% | 4.76% | 5.69% | -3,979 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.82% | 3.00% | 2.23% | 1.49% | 0.90% | 0.78% | 0.77% | 0.75% | -74 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 | 7.42% | 1.23% | 1.09% | 1.23% | 0.99% | 0.94% | 0.90% | 0.86% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 8.19% | 8.57% | 8.66% | 8.87% | 8.93% | 9.18% | 9.38% | +73 bps | |
| Net Worth / Assets | 7.81% | 8.19% | 8.57% | 8.66% | 8.87% | 8.93% | 9.18% | 9.38% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.14% | 73.04% | 73.34% | 73.72% | 78.69% | 78.16% | 81.46% | 85.50% | +1,178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |