Portland, OR · Cert 58223
FDIC · 1 branch
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Portland, OR · Cert 58223
FDIC · 1 branch
Q1 2015
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2014 SOD (annual) · 0.2% share · #29 of 37 inst. · $0.1B of $40.4B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.44% | 0.32% | -0.52% | -0.23% | -0.22% | -0.13% | -0.81% | -29 bps | |
| Return on Equity | 3.63% | 2.33% | 1.64% | -2.80% | -1.27% | -1.24% | -0.74% | -4.68% | -188 bps | |
| Net Interest Margin | 4.20% | 4.09% | 4.02% | 3.87% | 3.65% | 3.41% | 3.41% | 3.29% | -58 bps | |
| Efficiency Ratio | 103.89% | 101.76% | 103.89% | 111.86% | 108.70% | 112.07% | 112.77% | 127.78% | +1,591 bps | |
| Non-Interest Burden | 4.39% | 4.17% | 4.21% | 4.41% | 4.02% | 3.89% | 3.92% | 4.36% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.71% | -0.64% | -8.64% | 10.34% | 17.33% | 19.74% | 17.27% | -2.52% | -1,286 bps | |
| Loan Growth (YoY) | -7.77% | -5.42% | -2.26% | -1.46% | -4.43% | -9.83% | -14.01% | -25.25% | -2,378 bps | |
| Deposit Growth (YoY) | -7.64% | 0.19% | -10.65% | 13.88% | 22.17% | 24.64% | 21.30% | -3.12% | -1,700 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 | -1.81% | -1.45% | -0.94% | -0.01% | 0.86% | 0.39% | 0.23% | -0.60% | -58 bps | |
| Allowance / Loans | 2.04% | 2.25% | 2.03% | 2.10% | 1.68% | 1.75% | 1.63% | 2.12% | +2 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 | 17.25% | n/a | n/a |
| Total Risk-Based Capital | 18.56% | 18.16% | 19.04% | 18.13% | 19.28% | 18.34% | 19.82% | 24.08% | +595 bps | |
| Equity / Assets | 20.17% | 18.95% | 20.74% | 16.82% | 17.06% | 15.70% | 17.52% | 17.06% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.51% | 104.79% | 114.41% | 90.69% | 87.23% | 75.81% | 81.11% | 69.98% | -2,071 bps | |
| Liquid Assets / Assets | 0.34% | 0.43% | 0.50% | 0.37% | 5.61% | 6.74% | 2.74% | 3.91% | +353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |