Bend, OR · Cert 22407
FDIC · 47 branches
Q2 2017
Market Position · Bend-Redmond, OR · 2017 SOD (annual) · 27.8% share · #1 of 10 inst. · $1.0B of $3.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.93% | 0.36% | 0.56% | 0.59% | 0.67% | 0.95% | 0.19% | -37 bps | |
| Return on Equity | 6.90% | 7.04% | 2.99% | 4.74% | 5.02% | 5.71% | 8.10% | 1.47% | -327 bps | |
| Net Interest Margin | 3.32% | 3.25% | 3.52% | 3.12% | 3.05% | 3.09% | 3.35% | 0.65% | -247 bps | |
| Efficiency Ratio | 69.47% | 68.86% | 84.52% | 77.06% | 75.94% | 72.65% | 61.89% | 59.06% | -1,800 bps | |
| Non-Interest Burden | 1.91% | 1.86% | 2.76% | 2.15% | 2.06% | 1.96% | 1.68% | 0.30% | -185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.51% | 5.39% | 25.12% | 22.64% | 28.62% | 24.72% | 5.14% | 12.40% | -1,024 bps | |
| Loan Growth (YoY) | 12.41% | 12.86% | 13.68% | 17.08% | 25.50% | 24.92% | 18.48% | 8.37% | -871 bps | |
| Deposit Growth (YoY) | 4.90% | 5.07% | 27.72% | 24.99% | 31.66% | 27.70% | 5.36% | 7.45% | -1,754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.60% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | -0.53% | -0.38% | 0.00% | -0.03% | -0.05% | -0.04% | -0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 1.61% | 1.44% | 1.37% | 1.30% | 1.22% | 1.20% | 1.20% | 0.00% | -130 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 2.0x | 0.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.97% | 9.25% | 8.48% | 7.84% | 8.25% | 8.44% | 8.87% | 8.12% | +28 bps | |
| Total Risk-Based Capital | 12.36% | 12.60% | 11.41% | 11.00% | 11.28% | 11.36% | 11.68% | 10.53% | -47 bps | |
| Equity / Assets | 13.14% | 13.35% | 11.14% | 11.40% | 11.34% | 11.74% | 11.80% | 15.57% | +418 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.06% | 81.05% | 69.34% | 74.37% | 75.36% | 79.28% | 77.97% | 75.01% | +64 bps | |
| Liquid Assets / Assets | 8.98% | 6.91% | 14.53% | 8.81% | 7.52% | 5.21% | 7.61% | 10.53% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |