Portland, OR · Charter 23116
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Portland, OR · Charter 23116
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | -0.45% | -0.39% | -1.15% | -1.31% | -1.15% | -1.14% | -0.39% | +77 bps | |
| Return on Equity | -0.29% | -6.04% | -5.22% | -16.41% | -20.50% | -19.44% | -16.81% | -5.59% | +1,082 bps | |
| Net Interest Margin | 4.04% | 4.03% | 4.00% | 3.22% | 3.20% | 3.13% | 3.62% | 3.47% | +24 bps | |
| Efficiency Ratio | 100.41% | 108.34% | 108.59% | 121.78% | 124.17% | 123.35% | 117.17% | 106.07% | -1,571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | -1.12% | -4.88% | -1.35% | 0.07% | 8.25% | -4.43% | -10.79% | -943 bps | |
| Loan Growth (YoY) | 10.69% | 19.59% | -6.33% | -23.10% | -16.32% | -18.09% | -16.74% | -24.56% | -147 bps | |
| Share Growth (YoY) | 5.52% | 1.00% | -4.31% | -0.64% | 1.33% | 10.16% | -3.62% | -10.65% | -1,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.58% | 0.15% | 1.17% | 0.43% | 0.51% | 0.82% | 3.17% | +199 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 | 0.75% | 0.67% | 0.52% | 0.64% | 0.54% | 0.53% | 0.51% | 0.76% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.42% | 7.39% | 7.55% | 7.04% | 6.40% | 5.92% | 6.76% | 6.93% | -10 bps | |
| Net Worth / Assets | 7.42% | 7.39% | 7.55% | 7.04% | 6.40% | 5.92% | 6.76% | 6.93% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.03% | 53.96% | 51.48% | 49.26% | 44.62% | 40.13% | 44.47% | 41.59% | -767 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |