Seaside, OR · Cert 58660
FDIC · 2 branches
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.96% | 0.79% | 1.46% | 1.19% | +33 bps | |
| Return on Equity | 7.57% | 8.43% | 7.18% | 12.90% | 9.93% | +237 bps | |
| Net Interest Margin | 3.80% | 3.87% | 3.83% | 3.76% | 3.86% | +6 bps | |
| Efficiency Ratio | 73.30% | 68.19% | 73.09% | 63.33% | 65.57% | -774 bps | |
| Non-Interest Burden | 2.69% | 2.52% | 2.73% | 2.29% | 2.44% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.31% | 7.28% | 7.55% | 5.73% | 8.90% | +559 bps | |
| Loan Growth (YoY) | 6.86% | 4.41% | -0.71% | -8.76% | 0.35% | -651 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.73% | 11.77% | 11.59% | 11.44% | 12.40% | +67 bps | |
| Total Risk-Based Capital | 16.08% | 16.61% | 17.00% | 18.64% | 18.61% | +253 bps | |
| Equity / Assets | 11.48% | 11.30% | 10.69% | 11.99% | 12.06% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.86% | 72.73% | 65.55% | 67.07% | 70.28% | -558 bps | |
| Liquid Assets / Assets | 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 |