Hood River, OR · Cert 58625
FDIC · 4 branches
Q2 2017
Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2017 SOD (annual) · 0.0% share · #34 of 37 inst. · $0.0B of $50.2B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.84% | 0.77% | 0.60% | 0.56% | -18 bps | |
| Return on Equity | 8.20% | 8.90% | 8.07% | 6.37% | 6.04% | -216 bps | |
| Net Interest Margin | 3.91% | 4.23% | 3.88% | 3.97% | 3.97% | +6 bps | |
| Efficiency Ratio | 72.59% | 69.52% | 73.47% | 77.05% | 75.76% | +317 bps | |
| Non-Interest Burden | 2.74% | 2.83% | 2.75% | 2.97% | 2.90% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.57% | 6.90% | 1.11% | 0.18% | 8.02% | +859 bps | |
| Loan Growth (YoY) | 11.21% | 5.91% | 5.51% | 8.32% | 8.47% | -273 bps | |
| Deposit Growth (YoY) | -2.62% | 6.26% | -0.43% | -0.60% | 8.84% | +1,146 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.84% | 0.78% | +78 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.05% | 1.08% | 1.06% | 1.05% | 1.00% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.2x | 1.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.27% | 9.55% | 9.49% | 9.58% | 9.65% | +38 bps | |
| Total Risk-Based Capital | 13.78% | 14.08% | 14.33% | 13.89% | 13.58% | -20 bps | |
| Equity / Assets | 9.46% | 9.47% | 9.58% | 9.38% | 9.32% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.53% | 74.75% | 76.03% | 74.61% | 76.27% | -26 bps | |
| Liquid Assets / Assets | 3.67% | 3.56% | 6.83% | 3.88% | 2.37% | -129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |