Bend, OR · Cert 58594
FDIC · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Bend, OR · Cert 58594
FDIC · 1 branch
Q1 2018
Market Position · Bend-Redmond, OR · 2017 SOD (annual) · 0.7% share · #10 of 10 inst. · $0.0B of $3.4B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.11% | -5.16% | -3.61% | -3.64% | -3.64% | -3.49% | -3.41% | -2.06% | +158 bps | |
| Return on Equity | -74.00% | -81.52% | -60.09% | -87.33% | -95.04% | -99.84% | -106.35% | -141.18% | -5,385 bps | |
| Net Interest Margin | 2.96% | 2.91% | 2.94% | 2.98% | 2.85% | 3.01% | 3.29% | 2.96% | -2 bps | |
| Efficiency Ratio | 182.00% | 195.96% | 181.34% | 194.40% | 204% | 196.29% | 193.37% | 225% | +3,089 bps | |
| Non-Interest Burden | 8.10% | 8.25% | 7.47% | 6.61% | 6.48% | 6.68% | 7.04% | 7.08% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.05% | -5.85% | -7.67% | -10.35% | -11.57% | -11.91% | -20.91% | -21.80% | -1,145 bps | |
| Loan Growth (YoY) | -39.70% | -44.54% | -39.07% | -28.62% | -18.88% | -15.82% | -29.52% | -16.53% | +1,210 bps | |
| Deposit Growth (YoY) | 4.32% | -0.82% | -4.16% | -7.30% | -8.72% | -9.90% | -18.44% | -19.55% | -1,225 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 | 0.52% | 1.98% | 0.37% | -0.04% | -0.04% | -0.04% | -0.05% | 0.00% | +4 bps | |
| Allowance / Loans | 5.08% | 4.48% | 3.65% | 4.13% | 4.14% | 4.46% | 5.23% | 3.64% | -49 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 | 5.65% | 4.45% | 4.85% | 4.05% | 3.25% | 2.72% | 2.17% | 1.76% | -229 bps | |
| Total Risk-Based Capital | 16.57% | 10.83% | 12.01% | 11.01% | 9.20% | 7.97% | 6.66% | 5.15% | -586 bps | |
| Equity / Assets | 5.82% | 4.52% | 4.65% | 3.69% | 3.11% | 2.40% | 1.83% | 1.09% | -260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.34% | 42.22% | 44.42% | 38.91% | 42.07% | 39.45% | 38.39% | 40.37% | +146 bps | |
| Liquid Assets / Assets | 43.28% | 21.86% | 24.78% | 29.09% | 32.95% | 37.21% | 33.06% | 32.69% | +361 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |