Wilsonville, OR · Charter 21288
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.11% | -2.25% | -1.32% | -1.00% | -2.33% | -1.22% | -3.06% | -174 bps | |
| Return on Equity | 0.50% | 0.49% | -10.83% | -6.54% | -4.92% | -12.35% | -6.79% | -20.09% | -1,355 bps | |
| Net Interest Margin | 3.69% | 3.90% | 3.31% | 3.15% | 3.15% | 3.09% | 2.80% | 2.53% | -62 bps | |
| Efficiency Ratio | 93.94% | 93.76% | 97.11% | 102.18% | 107.13% | 103.29% | 142.08% | 136.87% | +3,469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | -0.45% | 3.00% | 3.36% | 2.87% | 8.65% | 3.72% | 5.90% | +254 bps | |
| Loan Growth (YoY) | 5.06% | 4.90% | -0.34% | -0.89% | -6.73% | -4.40% | -6.73% | -17.96% | -1,707 bps | |
| Share Growth (YoY) | -0.56% | -0.42% | 4.56% | 4.98% | 4.56% | 14.44% | 7.53% | 12.71% | +773 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.86% | 0.92% | 0.80% | 0.29% | 1.33% | 0.82% | 0.06% | -74 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 | 0.72% | 0.71% | 0.43% | 0.39% | 0.72% | 2.81% | 0.84% | 3.15% | +276 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.71% | 22.98% | 20.76% | 20.22% | 20.37% | 18.83% | 17.99% | 15.25% | -497 bps | |
| Net Worth / Assets | 21.71% | 22.98% | 20.76% | 20.22% | 20.37% | 18.83% | 17.99% | 15.25% | -497 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.86% | 79.54% | 69.57% | 67.95% | 66.77% | 66.44% | 60.34% | 49.46% | -1,849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |