Eugene, OR · Charter 19847
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Eugene, OR · Charter 19847
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -0.63% | -0.01% | -0.16% | -0.13% | -0.17% | -0.86% | -0.90% | -74 bps | |
| Return on Equity | -5.94% | -6.35% | -0.14% | -1.72% | -1.37% | -1.78% | -9.08% | -9.31% | -759 bps | |
| Net Interest Margin | 3.09% | 3.13% | 3.20% | 3.05% | 3.06% | 3.21% | 3.40% | 3.55% | +50 bps | |
| Efficiency Ratio | 114.94% | 112.22% | 100.36% | 101.19% | 99.36% | 98.41% | 99.21% | 110.15% | +896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.94% | 1.46% | -1.26% | 1.00% | 4.15% | 1.92% | 0.27% | -7.71% | -871 bps | |
| Loan Growth (YoY) | 7.75% | 3.99% | -0.30% | -5.30% | -3.04% | -3.69% | -0.71% | -3.37% | +192 bps | |
| Share Growth (YoY) | -0.84% | 2.28% | -0.28% | 1.55% | 4.59% | 0.77% | -0.14% | -7.35% | -890 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 2.40% | 2.63% | 3.27% | 4.54% | 3.54% | 3.65% | 3.88% | +60 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 | 0.27% | 0.33% | 0.35% | 0.36% | 0.36% | 0.34% | 0.44% | 0.45% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.07% | 9.88% | 9.89% | 9.47% | 9.40% | 9.69% | 9.48% | 9.71% | +24 bps | |
| Net Worth / Assets | 10.07% | 9.88% | 9.89% | 9.47% | 9.40% | 9.69% | 9.48% | 9.71% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.71% | 67.43% | 63.01% | 60.56% | 62.77% | 64.45% | 62.65% | 63.16% | +260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |