Portland, OR · Cert 35453
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 | 1.18% | 1.96% | 2.51% | 2.21% | 2.06% | 2.05% | 2.06% | 2.01% | -20 bps | |
| Return on Equity | 8.35% | 12.45% | 17.39% | 16.24% | 16.47% | 17.23% | 18.03% | 18.76% | +252 bps | |
| Net Interest Margin | 3.97% | 4.00% | 3.96% | 3.89% | 3.67% | 3.66% | 3.35% | 3.17% | -72 bps | |
| Efficiency Ratio | 14.06% | 5.10% | 6.18% | 13.82% | 7.72% | 6.07% | 6.02% | 6.12% | -770 bps | |
| Non-Interest Burden | 0.34% | 0.02% | 0.26% | 0.42% | 0.19% | 0.18% | 0.13% | 0.16% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -38.00% | -37.68% | -20.52% | 6.22% | 58.09% | 53.39% | 3.22% | 0.51% | -571 bps | |
| Loan Growth (YoY) | -40.58% | -40.60% | -22.86% | 11.06% | 64.99% | 59.13% | 1.27% | -2.15% | -1,322 bps | |
| Deposit Growth (YoY) | 704900% | 539900% | 1058020% | 35.78% | 152.83% | 202% | 44.26% | -8.47% | -4,425 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 | 2.04% | 1.59% | 0.70% | 0.78% | 0.38% | 0.48% | 0.42% | 0.35% | -43 bps | |
| Allowance / Loans | 1.66% | 1.64% | 1.09% | 1.03% | 0.67% | 0.72% | 0.78% | 0.86% | -17 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 | 31.59% | 34.53% | 26.75% | 29.53% | 22.98% | 26.38% | 21.73% | 24.99% | -455 bps | |
| Equity / Assets | 15.07% | 16.52% | 12.90% | 14.39% | 11.15% | 12.75% | 9.99% | 11.52% | -287 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 222% | 270% | 191.87% | 161.54% | 144.72% | 142.35% | 134.69% | 172.68% | +1,114 bps | |
| Liquid Assets / Assets | 3.74% | 3.96% | 2.25% | 3.10% | 2.29% | 3.12% | 4.25% | 6.22% | +312 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |