Lake Oswego, OR · Cert 58047
FDIC
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -2.10% | -2.28% | 0.41% | 0.05% | -0.24% | 0.85% | 0.22%1 | -19 bps | |
| Return on Equity | -13.68% | -27.90% | -30.44% | 5.08% | 0.63% | -2.76% | 10.16% | 2.54% | -253 bps | |
| Net Interest Margin | 3.16% | 3.26% | 3.27% | 3.78% | 3.63% | 3.68% | 3.55% | 4.08% | +31 bps | |
| Efficiency Ratio | 127.88% | 137.65% | 247% | 124.60% | 103.30% | 165.33% | 100.41% | 91.32% | -3,329 bps | |
| Non-Interest Burden | 4.03% | 4.31% | 5.70% | 4.61% | 3.76% | 5.19% | 3.57% | 3.70% | -90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.35% | 2.96% | -8.56% | -22.71% | -20.70% | -16.98% | -2.58% | -7.45% | +1,527 bps | |
| Loan Growth (YoY) | -14.04% | -18.97% | -20.36% | -15.16% | -19.00% | -14.48% | -11.63% | -0.84% | +1,433 bps | |
| Deposit Growth (YoY) | 5.77% | 4.84% | -7.11% | -23.43% | -21.54% | -18.05% | -3.21% | -8.20% | +1,524 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 | 1.22% | 3.52% | 2.23% | -0.64% | -0.51% | 0.19% | -1.32% | 0.02% | +65 bps | |
| Allowance / Loans | 3.31% | 3.11% | 2.61% | 2.44% | 2.65% | 2.21% | 2.20% | 2.20% | -24 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 | 10.55% | 10.48% | 10.07% | 10.62% | 10.99% | 11.05% | 11.48% | 10.71% | +10 bps | |
| Equity / Assets | 7.69% | 7.32% | 7.66% | 8.64% | 8.67% | 8.43% | 8.27% | 9.51% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.79% | 70.52% | 77.23% | 82.84% | 77.21% | 73.59% | 70.51% | 89.48% | +664 bps | |
| Liquid Assets / Assets | 22.13% | 24.59% | 17.15% | 12.58% | 15.38% | 15.92% | 17.27% | 5.57% | -701 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |