Gresham, OR · Cert 34093
FDIC · 5 branches
Q4 2016
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2016 SOD (annual) · 0.3% share · #22 of 37 inst. · $0.1B of $46.4B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.73% | 0.67% | 2.27% | 0.61% | 0.46% | 0.16% | 0.38% | -189 bps | |
| Return on Equity | 6.80% | 6.99% | 6.35% | 20.80% | 4.95% | 3.63% | 1.27% | 2.90% | -1,790 bps | |
| Net Interest Margin | 4.39% | 4.29% | 4.44% | 4.51% | 4.45% | 4.52% | 4.60% | 4.71% | +20 bps | |
| Efficiency Ratio | 86.94% | 86.62% | 87.74% | 88.71% | 88.23% | 91.20% | 97.37% | 92.90% | +419 bps | |
| Non-Interest Burden | 3.61% | 3.51% | 3.70% | 3.75% | 3.68% | 3.89% | 4.29% | 4.16% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.73% | 8.84% | -0.39% | 7.82% | -0.97% | -7.02% | -3.80% | -12.80% | -2,062 bps | |
| Loan Growth (YoY) | 9.85% | 9.32% | 10.29% | 3.39% | -1.82% | -5.20% | -9.77% | -15.37% | -1,875 bps | |
| Deposit Growth (YoY) | 1.61% | 10.83% | -4.48% | 3.12% | -5.13% | -11.94% | -2.10% | -10.54% | -1,366 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 | 0.04% | 0.01% | -0.06% | 0.09% | -0.02% | -0.02% | -0.03% | 0.04% | -6 bps | |
| Allowance / Loans | 2.01% | 2.05% | 2.07% | 1.92% | 1.97% | 2.08% | 2.16% | 2.24% | +31 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 | 8.94% | 8.87% | 9.10% | 9.30% | 9.30% | 9.67% | 9.74% | 10.46% | +116 bps | |
| Total Risk-Based Capital | 10.93% | 10.97% | 10.98% | 10.71% | 11.15% | 11.72% | 12.05% | 12.96% | +225 bps | |
| Equity / Assets | 10.48% | 10.16% | 11.09% | 12.03% | 12.69% | 13.13% | 13.56% | 14.24% | +221 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.24% | 88.25% | 103.12% | 98.16% | 97.53% | 95.00% | 95.05% | 92.87% | -530 bps | |
| Liquid Assets / Assets | 3.85% | 11.25% | 2.67% | 7.19% | 5.37% | 8.52% | 11.87% | 14.42% | +723 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |