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Blue Cross Blue Shield

Portland, OR · Charter 14298

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Blue Cross Blue Shield

Portland, OR · Charter 14298

Q4 2012

$6.5MAssets
$2.0MLoans
$5.4MShares
$1.0MNet Worth

Executive Summary

  • Earnings: ROA of -1.78%, down 13 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 1.23% of loans (-53 bps YoY).
  • Capital: net worth / assets of 16.05%, down 129 bps from a year ago.
  • Funding: loans stand at 36.85% of shares as of Q4 2012.

Return on Assets (YTD, annualized)

-1.78%-13 bps YoY

Net Interest Margin (YTD, annualized)

2.24%-37 bps YoY

Efficiency Ratio (YTD, annualized)

180.48%+4,476 bps YoY

Net Worth / Assets

16.05%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.63%-1.93%-1.75%-1.65%-1.36%-1.16%-1.19%-1.78%-13 bps
Return on Equity-3.46%-10.88%-10.27%-9.53%-8.12%-6.94%-7.39%-11.09%-157 bps
Net Interest Margin2.61%2.64%2.57%2.61%2.41%2.29%2.19%2.24%-37 bps
Efficiency Ratio115.38%125.27%133.45%135.72%153.41%157.90%161.50%180.48%+4,476 bps
Growth
Asset Growth (YoY)-8.39%0.08%-0.68%-8.78%-1.89%-0.93%-1.24%-2.74%+605 bps
Loan Growth (YoY)-13.92%-12.82%2.38%-4.30%-4.97%-6.08%-14.62%-14.79%-1,048 bps
Share Growth (YoY)-8.02%3.09%1.72%-6.76%-0.09%0.38%0.06%-1.46%+529 bps
Asset Quality
Delinquent Loans / Loans2.36%1.10%2.64%1.75%1.63%1.98%1.22%1.23%-53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.23%1.30%0.98%0.92%0.89%0.35%0.08%0.00%-92 bps
Capital
Risk-Based Capital18.18%17.76%17.09%17.34%16.73%16.68%16.12%16.05%-129 bps
Net Worth / Assets18.18%17.76%17.09%17.34%16.73%16.68%16.12%16.05%-129 bps
Liquidity & Funding
Loans / Shares42.05%40.72%42.11%42.61%40.00%38.10%35.94%36.85%-576 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps