Camas, WA · Charter 68492
Q2 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.29% | 0.11% | 0.01% | 0.09% | 0.30% | 0.63% | -1.02% | -103 bps | |
| Return on Equity | 1.48% | 3.35% | 1.28% | 0.13% | 1.07% | 3.45% | 7.05% | -12.12% | -1,225 bps | |
| Net Interest Margin | 2.54% | 2.56% | 2.45% | 2.47% | 2.53% | 2.54% | 2.63% | 2.75% | +27 bps | |
| Efficiency Ratio | 88.19% | 86.62% | 89.39% | 87.88% | 89.68% | 86.81% | 91.84% | 126.87% | +3,900 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | 1.36% | 1.34% | 1.02% | 0.88% | 1.39% | -1.58% | -2.38% | -340 bps | |
| Loan Growth (YoY) | 11.37% | 10.84% | 3.65% | -0.13% | -3.21% | -1.73% | 0.31% | 3.31% | +344 bps | |
| Share Growth (YoY) | 2.18% | 1.01% | 0.82% | 0.96% | 2.08% | 2.22% | -0.73% | -1.52% | -247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.95% | 0.51% | 0.27% | 0.35% | 0.16% | 0.12% | 0.23% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.89% | 0.83% | 1.06% | 0.99% | 0.96% | 0.74% | 0.73% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.34% | 8.58% | 8.30% | 8.41% | 8.52% | 8.76% | 8.87% | 8.41% | 0 bps | |
| Net Worth / Assets | 8.34% | 8.58% | 8.30% | 8.41% | 8.52% | 8.76% | 8.87% | 8.41% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.27% | 57.02% | 54.29% | 55.57% | 54.30% | 54.82% | 54.86% | 58.30% | +272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |