Lake Oswego, OR · Cert 58047
FDIC
Q2 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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.27% | -1.48% | -2.28% | -1.00% | -0.67% | -0.56% | 0.85% | 0.55% | +155 bps | |
| Return on Equity | -15.31% | -18.30% | -30.44% | -12.79% | -8.31% | -6.93% | 10.16% | 6.35% | +1,914 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.27% | 3.71% | 3.70% | 3.72% | 3.55% | 3.84% | +13 bps | |
| Efficiency Ratio | 109.93% | 115.42% | 247% | 167.84% | 141.08% | 146.01% | 100.41% | 95.54% | -7,230 bps | |
| Non-Interest Burden | 3.87% | 4.08% | 5.70% | 5.48% | 4.92% | 5.02% | 3.57% | 3.66% | -182 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 | 1.24% | 1.89% | 2.23% | 0.84% | 0.42% | 0.37% | -1.32% | -0.60% | -144 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 |