Eugene, OR · Cert 57720
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Eugene, OR · Cert 57720
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | 0.09% | 0.30% | 0.28% | 0.58% | 1.65% | 1.73% | 1.53% | +124 bps | |
| Return on Equity | -2.80% | 0.75% | 2.42% | 2.27% | 4.35% | 12.33% | 12.75% | 11.00% | +872 bps | |
| Net Interest Margin | 3.96% | 4.02% | 4.13% | 4.32% | 4.16% | 4.79% | 4.87% | 4.90% | +58 bps | |
| Efficiency Ratio | 81.14% | 76.01% | 73.24% | 74.86% | 71.94% | 63.48% | 59.88% | 63.37% | -1,149 bps | |
| Non-Interest Burden | 3.17% | 2.98% | 2.95% | 3.16% | 2.87% | 2.93% | 2.81% | 3.01% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | -2.68% | -2.42% | -5.88% | -7.92% | -2.27% | -1.40% | -1.90% | +398 bps | |
| Loan Growth (YoY) | -3.97% | -6.16% | -5.00% | -5.82% | -3.95% | -2.05% | 2.81% | -1.35% | +446 bps | |
| Deposit Growth (YoY) | 3.40% | -3.65% | -0.61% | -4.76% | -7.58% | -1.40% | -3.74% | -1.30% | +346 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 | 0.76% | 0.65% | 0.48% | 0.36% | -0.01% | -1.24% | -1.22% | -0.98% | -135 bps | |
| Allowance / Loans | 1.87% | 1.90% | 2.00% | 2.00% | 2.09% | 2.04% | 2.09% | 2.25% | +25 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 | 15.70% | 16.37% | 17.15% | 17.56% | 17.53% | 17.84% | 17.50% | 19.25% | +169 bps | |
| Equity / Assets | 11.83% | 12.28% | 12.76% | 13.14% | 13.38% | 13.61% | 14.29% | 14.95% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.70% | 98.48% | 97.03% | 97.14% | 99.46% | 97.83% | 103.64% | 97.09% | -5 bps | |
| Liquid Assets / Assets | 14.79% | 13.34% | 11.50% | 14.21% | 13.15% | 14.60% | 10.39% | 12.80% | -141 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |