Eugene, OR · Cert 57720
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.52% | 0.72% | 0.24% | 0.58% | 2.72% | 1.89% | 0.87% | +64 bps | |
| Return on Equity | -2.80% | 4.30% | 5.73% | 1.83% | 4.35% | 20.16% | 13.53% | 5.99% | +415 bps | |
| Net Interest Margin | 3.96% | 4.10% | 4.21% | 4.27% | 4.16% | 5.43% | 5.19% | 4.74% | +48 bps | |
| Efficiency Ratio | 81.14% | 71.19% | 67.75% | 79.83% | 71.94% | 56.58% | 53.18% | 74.50% | -533 bps | |
| Non-Interest Burden | 3.17% | 2.82% | 2.78% | 3.35% | 2.87% | 3.00% | 2.67% | 3.49% | +14 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% | 0.54% | 0.10% | -0.01% | -0.01% | -2.46% | -1.27% | 0.00% | +1 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 |