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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | 0.85% | -1.17% | -1.14% | -1.26% | -3.16% | -2.03% | -2.57% | -142 bps | |
| Return on Equity | -6.34% | 8.62% | -10.18% | -9.48% | -9.99% | -25.02% | -15.71% | -19.74% | -1,026 bps | |
| Net Interest Margin | 3.58% | 3.43% | 3.02% | 3.44% | 3.90% | 3.72% | 3.89% | 4.10% | +66 bps | |
| Efficiency Ratio | 115.91% | 103.40% | 136.40% | 134.82% | 136.80% | 150.75% | 148.50% | 171.87% | +3,705 bps | |
| Non-Interest Burden | 4.20% | 3.57% | 4.18% | 4.68% | 5.35% | 5.76% | 5.93% | 7.31% | +263 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 | -1.36% | -0.87% | 0.26% | 0.09% | 0.03% | 0.12% | -0.07% | -0.05% | -15 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 |