Tillamook, OR · Charter 12044
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tillamook, OR · Charter 12044
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.21% | 0.28% | 0.36% | -0.06% | -0.94% | -3.33% | 0.14% | -21 bps | |
| Return on Equity | 4.47% | 3.00% | 3.83% | 4.91% | -0.86% | -14.94% | n/a | n/a | n/a | |
| Net Interest Margin | 3.00% | 3.06% | 3.06% | 2.88% | 2.80% | 2.84% | 3.10% | 3.01% | +13 bps | |
| Efficiency Ratio | 88.03% | 89.32% | 88.63% | 114.17% | 102.39% | 112.90% | 170.34% | 97.52% | -1,664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.17% | 3.33% | 0.13% | -3.57% | 1.03% | 2.98% | -7.07% | -9.81% | -624 bps | |
| Loan Growth (YoY) | -6.52% | -3.90% | -2.16% | 0.10% | -1.07% | 0.48% | -4.30% | -2.22% | -232 bps | |
| Share Growth (YoY) | 0.42% | 4.00% | 1.82% | -2.01% | 1.91% | 2.34% | 0.81% | -2.20% | -19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 1.48% | 1.12% | 0.55% | 0.36% | 0.38% | 0.61% | 0.98% | +43 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 | 0.96% | 1.04% | 0.88% | 0.48% | 0.84% | 0.82% | 1.22% | 1.18% | +70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.01% | 7.12% | 7.30% | 7.26% | 7.02% | 6.32% | -0.77% | -0.75% | -801 bps | |
| Net Worth / Assets | 7.01% | 7.12% | 7.30% | 7.26% | 7.02% | 6.32% | -0.77% | -0.75% | -801 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.32% | 56.84% | 58.29% | 55.77% | 55.65% | 55.81% | 55.33% | 55.76% | -1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |