The Dalles, OR · Cert 22469
FDIC
Q4 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.33% | -1.58% | -2.32% | -2.53% | -5.51% | -6.41% | -4.74% | -242 bps | |
| Return on Equity | 6.19% | 3.43% | -17.66% | -27.37% | -38.73% | -96.11% | -132.36% | -107.67% | -8,030 bps | |
| Net Interest Margin | 4.79% | 4.50% | 4.02% | 3.57% | 2.51% | 2.53% | 2.52% | 2.60% | -97 bps | |
| Efficiency Ratio | 64.40% | 65.02% | 69.53% | 89.86% | 119.31% | 118.32% | 119.17% | 118.35% | +2,848 bps | |
| Non-Interest Burden | 2.65% | 2.45% | 2.47% | 3.11% | 3.16% | 3.15% | 3.14% | 3.23% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.13% | 3.85% | 11.08% | 7.59% | -1.29% | -3.67% | -7.98% | -14.84% | -2,242 bps | |
| Loan Growth (YoY) | 6.55% | 9.11% | 5.71% | -1.66% | -7.26% | -15.15% | -20.33% | -21.44% | -1,978 bps | |
| Deposit Growth (YoY) | 0.67% | 2.72% | 10.13% | 8.24% | 3.75% | 5.63% | -0.55% | -9.60% | -1,784 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 | 0.43% | 0.59% | 3.48% | 3.43% | 5.25% | 6.47% | 8.92% | 8.33% | +491 bps | |
| Allowance / Loans | 1.47% | 1.82% | 2.27% | 2.84% | 2.78% | 2.85% | 2.67% | 2.55% | -28 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 | 11.02% | 10.50% | 8.50% | 8.75% | 8.35% | 6.41% | 4.05% | 4.46% | -429 bps | |
| Equity / Assets | 9.71% | 9.08% | 7.49% | 6.57% | 6.47% | 4.15% | 2.13% | 2.40% | -417 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.73% | 100.18% | 90.89% | 85.95% | 89.15% | 80.47% | 72.82% | 74.69% | -1,126 bps | |
| Liquid Assets / Assets | 2.98% | 2.50% | 3.21% | 2.81% | 3.99% | 15.75% | 21.58% | 12.08% | +927 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |