Medford, OR · Cert 32975
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 | -0.53% | -0.79% | -0.98% | -1.25% | -0.29% | 0.35%1 | -2.21% | -1.12% | +13 bps | |
| Return on Equity | -5.85% | -8.43% | -10.31% | -13.19% | -3.06% | 3.47% | -21.99% | -11.47% | +172 bps | |
| Net Interest Margin | 3.91% | 3.95% | 3.68% | 3.72% | 3.93% | 3.72% | 3.56% | 3.30% | -42 bps | |
| Efficiency Ratio | 118.65% | 83.84% | 100.82% | 121.40% | 97.58% | 96.64% | 172.42% | 130.09% | +869 bps | |
| Non-Interest Burden | 4.56% | 3.26% | 3.75% | 4.54% | 3.87% | 3.61% | 5.76% | 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 | 2.24% | 3.05% | 3.65% | 3.15% | 1.17% | 0.20% | 0.38% | 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 |