Portland, OR · Charter 14298
Q4 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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.61% | 2.64% | 2.57% | 2.61% | 2.41% | 2.29% | 2.19% | 2.24% | -37 bps | |
| Efficiency Ratio | 115.38% | 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 / Loans | 2.36% | 1.10% | 2.64% | 1.75% | 1.63% | 1.98% | 1.22% | 1.23% | -53 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 | 0.23% | 1.30% | 0.98% | 0.92% | 0.89% | 0.35% | 0.08% | 0.00% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.18% | 17.76% | 17.09% | 17.34% | 16.73% | 16.68% | 16.12% | 16.05% | -129 bps | |
| Net Worth / Assets | 18.18% | 17.76% | 17.09% | 17.34% | 16.73% | 16.68% | 16.12% | 16.05% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.05% | 40.72% | 42.11% | 42.61% | 40.00% | 38.10% | 35.94% | 36.85% | -576 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |