Lake Oswego, OR · Cert 57877
FDIC · 2 branches
Q2 2016
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2016 SOD (annual) · 0.1% share · #29 of 37 inst. · $0.0B of $46.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | 5.42% | -1.17% | -1.08% | -1.56% | -10.35% | -2.03% | -3.16% | -208 bps | |
| Return on Equity | -3.78% | 51.54% | -10.18% | -8.73% | -11.05% | -75.26% | -15.71% | -23.88% | -1,514 bps | |
| Net Interest Margin | 3.84% | 2.76% | 3.02% | 3.54% | 3.77% | 3.02% | 3.89% | 3.94% | +40 bps | |
| Efficiency Ratio | 108.75% | 72.32% | 136.40% | 133.29% | 141.07% | 204% | 148.50% | 197.09% | +6,380 bps | |
| Non-Interest Burden | 4.21% | 1.44% | 4.18% | 4.73% | 5.32% | 6.50% | 5.93% | 8.10% | +337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.81% | -13.08% | -9.45% | -20.91% | -31.84% | -29.94% | -34.98% | -26.74% | -583 bps | |
| Loan Growth (YoY) | -36.85% | -27.24% | -14.82% | 0.00% | 1.29% | 2.85% | -4.21% | -14.06% | -1,406 bps | |
| Deposit Growth (YoY) | -15.07% | -14.79% | -9.20% | -21.97% | -34.79% | -30.89% | -36.33% | -27.29% | -532 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 | 0.47% | 0.45% | 0.26% | -0.05% | -0.11% | 0.37% | -0.07% | -0.04% | +1 bps | |
| Allowance / Loans | 5.79% | 3.21% | 3.08% | 2.84% | 3.25% | 3.00% | 3.18% | 3.26% | +42 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 | 10.43% | 11.22% | 12.53% | 11.80% | 12.69% | 13.05% | +183 bps | |
| Total Risk-Based Capital | 17.53% | 18.26% | 16.61% | 16.80% | 19.61% | 18.28% | 19.11% | 18.86% | +206 bps | |
| Equity / Assets | 9.55% | 11.53% | 11.47% | 13.43% | 14.87% | 12.59% | 13.24% | 13.23% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.99% | 52.94% | 54.35% | 72.79% | 74.55% | 78.79% | 81.78% | 86.04% | +1,325 bps | |
| Liquid Assets / Assets | 34.70% | 22.89% | 18.69% | 6.49% | 10.26% | 6.08% | 7.15% | 17.24% | +1,075 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |