Portland, OR · Charter 14229
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Portland, OR · Charter 14229
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.26% | -0.89% | -0.16% | -0.52% | -0.59% | -0.35% | 0.14% | 0.17% | +69 bps | |
| Return on Equity | -23.18% | -8.96% | -1.69% | -5.75% | -6.67% | -3.82% | 1.65% | 1.89% | +763 bps | |
| Net Interest Margin | 3.45% | 3.60% | 3.37% | 3.31% | 3.26% | 3.43% | 3.17% | 3.10% | -21 bps | |
| Efficiency Ratio | 211% | 119.69% | 100.09% | 112.40% | 114.50% | 107.94% | 96.21% | 95.49% | -1,691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.03% | -2.30% | 1.25% | 5.45% | 3.76% | 2.77% | 5.57% | 1.03% | -442 bps | |
| Loan Growth (YoY) | -12.34% | -14.75% | -17.67% | -16.95% | -14.63% | -10.76% | -7.96% | -8.44% | +852 bps | |
| Share Growth (YoY) | 9.06% | 1.78% | 6.22% | 7.22% | 4.95% | 3.66% | 6.37% | 0.93% | -629 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 0.97% | 1.54% | 0.76% | 0.41% | 0.49% | 2.59% | 2.55% | +179 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 | 4.50% | 3.36% | 2.73% | 2.63% | 2.29% | 2.30% | 2.31% | 2.34% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.77% | 9.94% | 9.53% | 9.07% | 8.79% | 9.21% | 8.76% | 8.98% | -9 bps | |
| Net Worth / Assets | 9.77% | 9.94% | 9.53% | 9.07% | 8.79% | 9.21% | 8.76% | 8.98% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.88% | 53.59% | 48.49% | 45.61% | 44.64% | 46.14% | 41.96% | 41.38% | -423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |