Astoria, OR · Cert 19877
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.30% | 1.58% | 1.32% | 1.24% | 1.36% | 1.38% | 1.17% | -14 bps | |
| Return on Equity | 6.17% | 6.01% | 7.30% | 6.04% | 5.64% | 6.18% | 6.11% | 5.23% | -81 bps | |
| Net Interest Margin | 3.96% | 4.18% | 4.03% | 3.91% | 4.02% | 4.11% | 4.26% | 4.16% | +25 bps | |
| Efficiency Ratio | 56.10% | 54.48% | 49.91% | 53.86% | 57.55% | 56.66% | 56.69% | 58.02% | +416 bps | |
| Non-Interest Burden | 2.11% | 2.21% | 1.85% | 2.00% | 2.22% | 2.22% | 2.33% | 2.28% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | 5.01% | 6.41% | 4.30% | 3.03% | 1.37% | -1.94% | -0.37% | -467 bps | |
| Loan Growth (YoY) | 9.81% | 14.90% | 17.68% | 14.17% | 8.61% | 8.29% | 4.81% | 4.72% | -945 bps | |
| Deposit Growth (YoY) | 1.84% | 2.55% | 3.10% | 6.11% | 10.78% | 5.00% | 2.68% | -1.94% | -805 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.03% | -0.75% | -0.02% | 0.06% | 0.19% | +16 bps | |
| Allowance / Loans | 1.22% | 1.16% | 1.14% | 1.14% | 1.33% | 1.27% | 1.30% | 1.34% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.61% | 11.61% | 11.98% | 11.47% | 12.00% | 12.50% | 12.61% | 10.79% | -68 bps | |
| Equity / Assets | 21.87% | 21.49% | 21.80% | 21.74% | 22.05% | 22.02% | 23.02% | 21.72% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.43% | 84.31% | 88.68% | 86.44% | 85.72% | 86.95% | 90.51% | 92.31% | +587 bps | |
| Liquid Assets / Assets | 0.19% | 0.20% | 0.02% | 0.10% | 0.08% | 0.10% | 0.27% | 0.36% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |