Portland, OR · Cert 34106
FDIC · 5 branches
Q4 2017
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2017 SOD (annual) · 0.3% share · #21 of 37 inst. · $0.2B of $50.2B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.19% | 0.26% | 0.31% | -0.05% | -0.30% | 0.09% | -0.07% | -39 bps | |
| Return on Equity | 1.75% | 1.89% | 2.58% | 3.08% | -0.53% | -3.09% | 0.88% | -0.76% | -384 bps | |
| Net Interest Margin | 3.30% | 3.38% | 3.41% | 3.41% | 3.48% | 3.58% | 3.64% | 3.64% | +23 bps | |
| Efficiency Ratio | 93.74% | 93.00% | 90.17% | 88.27% | 102.68% | 97.52% | 88.05% | 85.95% | -232 bps | |
| Non-Interest Burden | 3.04% | 3.09% | 3.00% | 2.92% | 3.60% | 3.47% | 3.07% | 3.00% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.88% | 8.66% | 7.52% | 5.49% | 3.92% | 9.10% | 7.60% | 4.74% | -74 bps | |
| Loan Growth (YoY) | 19.30% | 19.73% | 13.09% | 13.38% | 8.84% | 9.52% | 9.65% | 3.94% | -944 bps | |
| Deposit Growth (YoY) | 15.34% | 9.27% | 8.32% | 6.45% | 3.94% | 10.14% | 8.02% | 5.45% | -99 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.03% | -0.03% | -0.04% | -0.02% | -0.02% | -0.01% | -0.01% | +3 bps | |
| Allowance / Loans | 1.90% | 1.87% | 1.82% | 1.76% | 1.78% | 2.24% | 2.18% | 2.20% | +44 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 544.6x | 22.5x | 22.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.22% | 10.24% | 10.24% | 10.19% | 9.75% | 9.64% | 9.69% | 9.42% | -77 bps | |
| Total Risk-Based Capital | 15.59% | 15.16% | 14.86% | 14.34% | 14.51% | 14.25% | 14.09% | 14.10% | -24 bps | |
| Equity / Assets | 10.04% | 10.41% | 10.11% | 10.12% | 9.80% | 9.51% | 9.47% | 9.57% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.51% | 75.21% | 74.54% | 78.63% | 74.88% | 74.78% | 75.66% | 77.50% | -113 bps | |
| Liquid Assets / Assets | 15.49% | 13.41% | 11.77% | 7.99% | 9.91% | 9.83% | 9.91% | 7.57% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |