Portland, OR · Cert 22493
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 · Cert 22493
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.62% | 1.65% | 1.66% | 1.74% | 1.03% | 1.20% | 1.26% | -40 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 8.84% | 10.29% | 10.88% | n/a | |
| Net Interest Margin | n/a | 5.00% | 5.65% | 5.73% | 5.89% | 5.46% | 5.25% | 5.10% | -63 bps | |
| Efficiency Ratio | n/a | 45.75% | 51.79% | 51.49% | 50.24% | 50.69% | 51.84% | 51.60% | +11 bps | |
| Non-Interest Burden | n/a | 2.06% | 2.64% | 2.67% | 2.63% | 2.52% | 2.49% | 2.32% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.34% | 11.43% | 4.67% | 2.09% | -3.80% | -3.15% | -3.90% | 2.85% | +77 bps | |
| Loan Growth (YoY) | 18.58% | 10.75% | -0.81% | -3.30% | -5.04% | -8.12% | -6.70% | -4.14% | -84 bps | |
| Deposit Growth (YoY) | 21.17% | 17.57% | 11.66% | 6.39% | 0.09% | -2.62% | -5.94% | 2.29% | -410 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 | n/a | 0.12% | 0.26% | 0.32% | 0.39% | 0.53% | 0.65% | 1.28% | +96 bps | |
| Allowance / Loans | n/a | 1.42% | 1.53% | 1.58% | 1.58% | 1.95% | 1.97% | 1.47% | -11 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 | n/a | 10.89% | 12.32% | 12.47% | 12.66% | 13.18% | 13.51% | 13.00% | +53 bps | |
| Equity / Assets | n/a | 10.10% | 10.97% | 11.34% | 11.68% | 11.51% | 11.81% | 11.21% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.46% | 95.63% | 89.28% | 91.08% | 95.32% | 90.23% | 88.56% | 85.35% | -573 bps | |
| Liquid Assets / Assets | 0.00% | 0.03% | 0.02% | 0.03% | 0.03% | 0.45% | 0.97% | 1.60% | +157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |