Hermiston, OR · Charter 21387
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Hermiston, OR · Charter 21387
Q3 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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | 0.05% | -0.18% | -0.41% | -0.88% | -0.08% | -0.15% | -0.06% | +36 bps | |
| Return on Equity | -2.16% | 0.46% | -1.60% | -3.72% | -8.15% | -0.75% | -1.46% | -0.55% | +317 bps | |
| Net Interest Margin | 3.20% | 3.14% | 3.01% | 3.08% | 3.04% | 2.75% | 2.71% | 2.86% | -22 bps | |
| Efficiency Ratio | 102.61% | 96.89% | 102.05% | 106.87% | 112.79% | 101.65% | 103.27% | 101.22% | -565 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.11% | -11.34% | -6.59% | -7.91% | -2.04% | -0.57% | -1.56% | -1.75% | +615 bps | |
| Loan Growth (YoY) | -0.15% | -2.95% | -7.39% | -11.84% | -11.47% | -9.50% | -13.48% | -18.55% | -670 bps | |
| Share Growth (YoY) | -12.16% | -12.45% | -7.21% | -8.43% | -1.26% | 0.40% | -0.71% | -1.28% | +715 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.86% | 0.47% | 1.85% | 1.98% | 1.10% | 2.21% | 2.16% | 2.14% | +17 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 | 2.06% | 2.23% | 2.21% | 2.34% | 2.32% | 2.46% | 2.56% | 2.90% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.47% | 10.96% | 11.04% | 11.14% | 10.82% | 10.16% | 10.38% | 10.73% | -41 bps | |
| Net Worth / Assets | 11.47% | 10.96% | 11.04% | 11.14% | 10.82% | 10.16% | 10.38% | 10.73% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.30% | 51.10% | 52.36% | 50.90% | 52.28% | 46.06% | 45.63% | 42.00% | -890 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |