Seaside, OR · Cert 58660
FDIC · 2 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Seaside, OR · Cert 58660
FDIC · 2 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.68% | 0.42% | 0.86% | 0.91% | 0.86% | 1.03% | 1.19% | +33 bps | |
| Return on Equity | 5.44% | 5.80% | 3.60% | 7.57% | 8.00% | 7.70% | 9.05% | 9.93% | +237 bps | |
| Net Interest Margin | 3.75% | 3.68% | 3.65% | 3.80% | 3.84% | 3.66% | 3.55% | 3.86% | +6 bps | |
| Efficiency Ratio | 76.05% | 74.28% | 74.57% | 73.30% | 70.73% | 71.54% | 69.38% | 65.57% | -774 bps | |
| Non-Interest Burden | 2.74% | 2.62% | 2.62% | 2.69% | 2.61% | 2.53% | 2.38% | 2.44% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.39% | 8.20% | 5.15% | 3.31% | 7.28% | 7.55% | 5.73% | 8.90% | +559 bps | |
| Loan Growth (YoY) | 6.84% | 10.68% | 12.25% | 6.86% | 4.41% | -0.71% | -8.76% | 0.35% | -651 bps | |
| Deposit Growth (YoY) | 4.67% | 8.86% | 7.15% | 9.39% | 9.19% | 8.06% | 7.06% | 8.32% | -107 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 | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.04% | 1.06% | 1.07% | 1.08% | 0.96% | 0.89% | -17 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 | 11.71% | 11.15% | 11.12% | 11.73% | 11.77% | 11.59% | 11.44% | 12.40% | +67 bps | |
| Total Risk-Based Capital | 15.99% | 15.49% | 15.65% | 16.08% | 16.61% | 17.00% | 18.64% | 18.61% | +253 bps | |
| Equity / Assets | 12.19% | 11.13% | 11.37% | 11.48% | 11.30% | 10.69% | 11.99% | 12.06% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.06% | 71.34% | 78.69% | 75.86% | 72.73% | 65.55% | 67.07% | 70.28% | -558 bps | |
| Liquid Assets / Assets | 1.36% | 8.29% | 2.07% | 3.52% | 6.10% | 10.64% | 5.93% | 8.80% | +529 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |