Lake Oswego, OR · Cert 2345
FDIC
Q1 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 1.05% | 2.92% | 1.00% | 1.05% | 1.02% | 0.97% | 0.05% | -95 bps | |
| Return on Equity | 6.15% | 7.94% | 20.98% | 6.83% | 6.97% | 6.73% | 6.37% | 0.35% | -647 bps | |
| Net Interest Margin | 3.69% | 3.22% | 3.04% | 3.85% | 3.77% | 3.68% | 3.61% | 3.47% | -38 bps | |
| Efficiency Ratio | 75.11% | 78.75% | 91.90% | 68.54% | 69.66% | 69.78% | 69.02% | 98.68% | +3,013 bps | |
| Non-Interest Burden | 2.50% | 2.33% | 2.72% | 2.27% | 2.26% | 2.20% | 2.16% | 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 | 1.22% | 0.89% | 0.67% | 0.39% | 0.06% | 0.27% | 0.53% | 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 |