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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.00% | -5.30% | 1.28% | -3.64% | -3.60% | -3.20% | -3.06% | -2.06% | +158 bps | |
| Return on Equity | -95.32% | -102.38% | 27.92% | -87.33% | -105.41% | -115.86% | -143.44% | -141.18% | -5,385 bps | |
| Net Interest Margin | 2.71% | 2.58% | 2.83% | 2.98% | 2.64% | 2.92% | 3.38% | 2.96% | -2 bps | |
| Efficiency Ratio | 216% | 246% | 133.82% | 194.40% | 217% | 181.12% | 183.58% | 225% | +3,089 bps | |
| Non-Interest Burden | 8.75% | 7.89% | 4.60% | 6.61% | 6.17% | 6.12% | 6.46% | 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 | 1.14% | 4.78% | -4.35% | -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 |