Hillsboro, OR · Cert 35013
FDIC · 6 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Hillsboro, OR · Cert 35013
FDIC · 6 branches
Q2 2018
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2018 SOD (annual) · 0.6% share · #14 of 35 inst. · $0.3B of $51.6B
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.04% | 1.02% | 1.24% | 1.21% | 0.91% | 1.38% | 1.05% | -20 bps | |
| Return on Equity | 8.79% | 9.00% | 8.90% | 10.76% | 10.36% | 7.78% | 11.57% | 9.13% | -162 bps | |
| Net Interest Margin | 3.98% | 3.88% | 4.01% | 4.07% | 4.11% | 4.11% | 4.42% | 4.49% | +42 bps | |
| Efficiency Ratio | 63.11% | 62.23% | 61.94% | 66.98% | 63.99% | 62.85% | 60.52% | 64.62% | -236 bps | |
| Non-Interest Burden | 2.42% | 2.32% | 2.40% | 2.78% | 2.66% | 2.58% | 2.59% | 2.79% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.15% | 12.67% | 9.00% | 9.49% | 4.48% | 2.60% | 4.59% | -3.19% | -1,269 bps | |
| Loan Growth (YoY) | 11.39% | 9.85% | 10.14% | 4.47% | 7.55% | 8.19% | 5.02% | 2.22% | -225 bps | |
| Deposit Growth (YoY) | 8.75% | 16.22% | 11.62% | 10.23% | 4.62% | 4.05% | 4.77% | 0.00% | -1,024 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.05% | 0.24% | 0.00% | 0.00% | 0.05% | 0.05% | -18 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.02% | -0.69% | -0.46% | -0.33% | 0.08% | 0.03% | +71 bps | |
| Allowance / Loans | 1.41% | 1.39% | 1.37% | 1.29% | 1.27% | 1.24% | 1.24% | 1.26% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.3x | 5.5x | n/a | n/a | 24.4x | 24.5x | +19.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.63% | 11.48% | 11.73% | 11.85% | 12.07% | 11.85% | 12.11% | 10.15% | -170 bps | |
| Total Risk-Based Capital | 13.09% | 13.20% | 13.00% | 13.31% | 13.27% | 13.00% | 13.42% | 11.33% | -198 bps | |
| Equity / Assets | 11.56% | 11.28% | 11.62% | 11.79% | 12.15% | 11.86% | 12.00% | 10.51% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.56% | 99.82% | 103.23% | 102.38% | 105.44% | 103.78% | 103.48% | 104.66% | +228 bps | |
| Liquid Assets / Assets | 4.45% | 5.78% | 3.16% | 4.39% | 2.18% | 2.61% | 4.51% | 5.22% | +83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |