Portland, OR · Charter 760
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.21% | -0.47% | -0.26% | -0.24% | 0.02% | -10.63% | -8.03% | -777 bps | |
| Return on Equity | -2.90% | -2.97% | -7.19% | -3.49% | -3.10% | 0.22% | -199.35% | -190.68% | -18,719 bps | |
| Net Interest Margin | 2.64% | 2.65% | 2.49% | 2.86% | 3.04% | 3.16% | 2.43% | 2.16% | -70 bps | |
| Efficiency Ratio | 103.87% | 102.46% | 102.55% | 96.93% | 95.72% | 94.03% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | 2.33% | -0.69% | -9.64% | -13.57% | -16.64% | -16.51% | -8.10% | +154 bps | |
| Loan Growth (YoY) | -11.81% | -13.05% | -1.85% | -14.90% | -16.50% | -17.35% | -15.14% | -18.88% | -398 bps | |
| Share Growth (YoY) | 1.24% | 2.77% | -0.63% | -10.06% | -14.33% | -17.90% | -15.36% | -5.35% | +471 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.36% | 1.61% | 1.75% | 1.01% | 1.22% | 1.17% | 1.02% | -73 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 | 1.26% | 1.43% | 1.66% | 1.76% | 1.69% | 1.55% | 1.47% | 1.52% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.93% | 6.96% | 6.54% | 7.41% | 7.78% | 8.36% | 5.33% | 4.21% | -320 bps | |
| Net Worth / Assets | 6.93% | 6.96% | 6.54% | 7.41% | 7.78% | 8.36% | 5.33% | 4.21% | -320 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.95% | 36.60% | 32.99% | 36.58% | 36.99% | 36.84% | 33.07% | 31.35% | -523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |