Portland, OR · Charter 1227
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Portland, OR · Charter 1227
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.91% | 0.88% | 0.78% | 0.78% | 0.88% | 0.87% | 0.60% | -18 bps | |
| Return on Equity | 7.02% | 6.97% | 6.62% | 5.65% | 5.51% | 6.04% | 5.96% | 4.17% | -149 bps | |
| Net Interest Margin | 2.88% | 2.77% | 2.77% | 2.93% | 2.94% | 3.00% | 2.99% | 2.91% | -2 bps | |
| Efficiency Ratio | 72.72% | 72.42% | 73.39% | 76.75% | 76.00% | 74.15% | 74.42% | 81.74% | +498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.69% | 11.69% | 12.51% | 2.19% | -0.14% | -4.14% | -3.36% | 1.51% | -68 bps | |
| Loan Growth (YoY) | -13.94% | -13.97% | -11.14% | -4.21% | 10.69% | 12.94% | 9.40% | 3.79% | +800 bps | |
| Share Growth (YoY) | 8.62% | 12.25% | 13.46% | 1.50% | -1.18% | -5.79% | -4.90% | 0.75% | -75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.10% | 0.06% | 0.55% | 0.57% | 1.28% | 0.04% | 0.38% | -17 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 | 0.36% | 0.36% | 0.23% | 0.23% | 0.24% | 0.21% | 0.17% | 0.17% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.28% | 13.11% | 13.25% | 13.82% | 14.13% | 14.54% | 14.58% | 14.42% | +60 bps | |
| Net Worth / Assets | 13.28% | 13.11% | 13.25% | 13.82% | 14.13% | 14.54% | 14.58% | 14.42% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.35% | 55.33% | 55.00% | 58.77% | 64.24% | 66.33% | 63.27% | 60.54% | +177 bps | |
| Liquid Assets / Assets | 35.06% | 36.05% | 37.52% | 31.58% | 28.34% | 26.42% | 32.04% | 32.43% | +85 bps | |