Portland, OR · Charter 12344
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 12344
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | -4.13% | -9.16% | -5.94% | -5.94% | -2.60% | -2.12% | -1.49% | +445 bps | |
| Return on Equity | 2.43% | -16.71% | -41.43% | -26.41% | -24.48% | -11.38% | -9.49% | -7.37% | +1,904 bps | |
| Net Interest Margin | 2.29% | 1.91% | 1.96% | 1.97% | 2.00% | 2.80% | 1.77% | 0.32% | -165 bps | |
| Efficiency Ratio | 72.34% | 114.21% | n/a | 670% | 1223% | 90.99% | 243% | 566% | -10,397 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | 1.25% | -5.66% | -4.54% | -10.29% | -10.71% | -8.79% | -3.19% | +135 bps | |
| Loan Growth (YoY) | -9.14% | -10.15% | -11.74% | -14.13% | -35.93% | -35.94% | -40.73% | -47.42% | -3,329 bps | |
| Share Growth (YoY) | 4.43% | 2.03% | -2.52% | -1.13% | -7.01% | -7.00% | -8.12% | 1.18% | +231 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.10% | 19.32% | 20.38% | 20.97% | 2.59% | 0.00% | 0.63% | 4.63% | -1,634 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 | 0.10% | 0.21% | 9.97% | 9.88% | 7.93% | 1.28% | 1.42% | 3.80% | -608 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.22% | 24.74% | 22.10% | 22.48% | 24.26% | 22.81% | 22.31% | 20.19% | -230 bps | |
| Net Worth / Assets | 26.22% | 24.74% | 22.10% | 22.48% | 24.26% | 22.81% | 22.31% | 20.19% | -230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.65% | 32.70% | 31.84% | 31.45% | 23.87% | 22.52% | 20.54% | 16.35% | -1,510 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |