Prineville, OR · Charter 19391
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | -0.33% | 0.48% | 0.55% | 1.34% | 1.21% | 1.67% | 1.98% | +143 bps | |
| Return on Equity | 8.45% | -3.20% | 4.75% | 5.65% | 12.64% | 12.60% | 17.19% | 18.76% | +1,311 bps | |
| Net Interest Margin | 3.73% | 3.65% | 3.62% | 3.50% | 3.62% | 3.49% | 3.59% | 3.81% | +31 bps | |
| Efficiency Ratio | 79.76% | 82.66% | 78.55% | 77.00% | 67.15% | 72.05% | 65.64% | 61.93% | -1,507 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.00% | 15.72% | 20.34% | 16.63% | 25.26% | 28.44% | 27.09% | 17.23% | +60 bps | |
| Loan Growth (YoY) | 24.39% | 28.95% | 20.01% | 19.01% | 17.68% | 13.91% | 10.67% | 8.46% | -1,055 bps | |
| Share Growth (YoY) | 12.45% | 16.94% | 22.05% | 17.82% | 26.73% | 29.58% | 27.65% | 16.14% | -168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 0.36% | 0.33% | 0.13% | 0.01% | 0.09% | 0.64% | 0.89% | +75 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 | 0.04% | 0.21% | 0.27% | 0.33% | 0.51% | 0.53% | 0.39% | 0.37% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.62% | 10.32% | 10.13% | 9.68% | 10.62% | 9.57% | 9.74% | 10.53% | +85 bps | |
| Net Worth / Assets | 11.62% | 10.32% | 10.13% | 9.68% | 10.62% | 9.57% | 9.74% | 10.53% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.19% | 68.61% | 66.34% | 66.94% | 70.75% | 60.31% | 57.51% | 62.51% | -443 bps | |
| Liquid Assets / Assets | 22.32% | 122.30% | 31.72% | 31.55% | 29.85% | 39.58% | 0.00% | 0.00% | -3,155 bps | |