Lake Oswego, OR · Cert 2345
FDIC
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.
Lake Oswego, OR · Cert 2345
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.91% | 1.41% | 1.00% | 1.03% | 1.02% | 1.01% | 0.05% | -95 bps | |
| Return on Equity | 6.48% | 6.98% | 10.64% | 6.83% | 6.90% | 6.84% | 6.72% | 0.35% | -647 bps | |
| Net Interest Margin | 3.65% | 3.49% | 3.42% | 3.85% | 3.80% | 3.71% | 3.67% | 3.47% | -38 bps | |
| Efficiency Ratio | 73.87% | 75.40% | 78.99% | 68.54% | 69.10% | 69.33% | 69.25% | 98.68% | +3,013 bps | |
| Non-Interest Burden | 2.39% | 2.35% | 2.48% | 2.27% | 2.26% | 2.21% | 2.19% | 3.41% | +114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.72% | 1.39% | -1.28% | -1.76% | -2.25% | -1.83% | 2.37% | 0.44% | +220 bps | |
| Loan Growth (YoY) | -5.16% | -4.54% | -2.26% | -4.23% | -1.71% | -0.99% | -0.64% | 1.46% | +569 bps | |
| Deposit Growth (YoY) | -3.70% | 0.69% | -1.39% | -1.88% | -2.84% | -3.09% | 1.08% | -0.65% | +123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.96% | 0.95% | 0.88% | 0.39% | 0.22% | 0.24% | 0.31% | 0.51% | +12 bps | |
| Allowance / Loans | 2.52% | 2.41% | 2.34% | 2.30% | 2.22% | 2.11% | 1.97% | 1.83% | -47 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.56% | 19.00% | 19.92% | 20.88% | 20.88% | 21.06% | 21.20% | 21.32% | +44 bps | |
| Equity / Assets | 13.17% | 13.30% | 14.52% | 14.91% | 15.22% | 15.17% | 15.18% | 15.51% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.39% | 75.26% | 78.14% | 77.30% | 79.30% | 76.90% | 76.81% | 78.95% | +165 bps | |
| Liquid Assets / Assets | 1.37% | 1.90% | 1.13% | 4.52% | 2.20% | 1.82% | 2.56% | 2.42% | -210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |