Portland, OR · Cert 57562
FDIC · 1 branch
Q4 2014
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2014 SOD (annual) · 0.5% share · #17 of 37 inst. · $0.2B of $40.4B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.88% | 0.86% | 0.92% | 0.91% | 0.95% | 0.98% | 0.95% | +3 bps | |
| Return on Equity | 7.88% | 7.48% | 7.59% | 8.35% | 8.76% | 9.08% | 9.53% | 9.23% | +87 bps | |
| Net Interest Margin | 4.35% | 4.05% | 3.71% | 3.68% | 3.85% | 3.80% | 3.68% | 3.73% | +5 bps | |
| Efficiency Ratio | 70.43% | 71.24% | 69.41% | 67.89% | 66.88% | 66.47% | 64.87% | 64.75% | -314 bps | |
| Non-Interest Burden | 2.95% | 2.79% | 2.48% | 2.40% | 2.45% | 2.41% | 2.26% | 2.29% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 12.55% | 11.59% | 18.88% | 21.73% | 13.35% | 10.96% | 5.78% | -1,310 bps | |
| Loan Growth (YoY) | 14.53% | 16.63% | 23.60% | 18.08% | 21.09% | 14.76% | 12.15% | 7.85% | -1,023 bps | |
| Deposit Growth (YoY) | 2.60% | 14.04% | 13.26% | 21.71% | 25.02% | 14.39% | 11.30% | 5.57% | -1,615 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 | -0.20% | -0.11% | -0.08% | -0.11% | -0.03% | 0.22% | 0.14% | 0.10% | +21 bps | |
| Allowance / Loans | 1.76% | 1.62% | 1.61% | 1.59% | 1.61% | 1.43% | 1.41% | 1.40% | -18 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 | 15.22% | 14.23% | 13.27% | 13.32% | 13.70% | 13.59% | 13.47% | 13.63% | +31 bps | |
| Equity / Assets | 12.35% | 11.30% | 10.20% | 10.05% | 10.63% | 10.65% | 9.96% | 10.32% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.58% | 91.54% | 87.40% | 88.22% | 90.64% | 91.84% | 88.06% | 90.13% | +190 bps | |
| Liquid Assets / Assets | 3.88% | 6.98% | 6.63% | 6.78% | 4.11% | 2.77% | 6.95% | 6.15% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |