Medford, OR · Cert 32975
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.
Medford, OR · Cert 32975
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 | -1.21% | -1.07% | -1.05% | -1.25% | -0.78% | -0.42% | -0.85% | -1.12% | +13 bps | |
| Return on Equity | -13.27% | -11.65% | -11.34% | -13.19% | -8.14% | -4.26% | -8.66% | -11.47% | +172 bps | |
| Net Interest Margin | 3.78% | 3.91% | 3.91% | 3.72% | 3.89% | 3.90% | 3.86% | 3.30% | -42 bps | |
| Efficiency Ratio | 109.89% | 100.19% | 100.34% | 121.40% | 108.84% | 104.64% | 117.32% | 130.09% | +869 bps | |
| Non-Interest Burden | 4.18% | 3.96% | 3.96% | 4.54% | 4.28% | 4.13% | 4.59% | 4.44% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.44% | -8.57% | -10.43% | -10.63% | -9.60% | -11.07% | -9.95% | -9.12% | +152 bps | |
| Loan Growth (YoY) | -19.23% | -17.58% | -18.36% | -19.30% | -19.32% | -20.34% | -18.86% | -15.49% | +381 bps | |
| Deposit Growth (YoY) | -10.30% | -9.02% | -11.07% | -12.24% | -11.26% | -12.65% | -10.77% | -9.88% | +236 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 | 3.05% | 3.12% | 3.41% | 3.15% | 2.23% | 1.63% | 1.37% | 0.29% | -286 bps | |
| Allowance / Loans | 3.22% | 3.16% | 2.84% | 2.73% | 2.74% | 2.82% | 2.87% | 2.88% | +15 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 | 12.65% | 12.71% | 13.03% | 13.23% | 13.64% | 14.28% | 14.06% | 14.01% | +79 bps | |
| Equity / Assets | 9.27% | 9.47% | 9.48% | 9.52% | 9.76% | 10.29% | 9.84% | 9.77% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.88% | 73.37% | 70.71% | 68.59% | 68.08% | 66.91% | 64.30% | 64.32% | -428 bps | |
| Liquid Assets / Assets | 3.03% | 2.76% | 2.26% | 5.08% | 4.51% | 3.44% | 3.74% | 3.90% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |