Portland, OR · Cert 23001
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.27% | 1.42% | 1.35% | 1.58% | 1.25% | 1.31% | 1.68% | +33 bps | |
| Return on Equity | 17.10% | 14.03% | 14.08% | 12.48% | 13.84% | 9.42% | 8.72% | 10.99% | -149 bps | |
| Net Interest Margin | 4.84% | 5.18% | 5.53% | 5.35% | 5.53% | 5.09% | 5.52% | 5.72% | +38 bps | |
| Efficiency Ratio | 59.34% | 54.88% | 55.51% | 58.13% | 55.48% | 63.49% | 57.49% | 49.30% | -883 bps | |
| Non-Interest Burden | 2.62% | 2.64% | 2.86% | 2.89% | 2.81% | 3.03% | 2.97% | 2.59% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.55% | 19.00% | 7.84% | 5.47% | 8.02% | 9.18% | 13.23% | 9.46% | +399 bps | |
| Loan Growth (YoY) | 9.08% | 8.09% | 12.60% | 19.84% | 13.96% | 10.73% | 9.48% | 13.71% | -613 bps | |
| Deposit Growth (YoY) | 30.33% | 20.37% | 5.61% | -5.74% | -3.33% | -2.82% | 2.86% | -0.31% | +543 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 | 0.40% | 0.15% | 0.16% | 0.17% | 0.17% | 0.11% | 0.11% | 0.11% | -5 bps | |
| Allowance / Loans | 0.96% | 0.95% | 0.93% | 0.90% | 0.94% | 0.90% | 0.91% | 0.91% | 0 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 | 11.01% | 12.13% | 12.33% | 13.18% | 14.78% | 18.59% | 18.09% | 16.96% | +379 bps | |
| Equity / Assets | 8.38% | 9.75% | 10.46% | 11.19% | 11.66% | 14.86% | 15.16% | 15.37% | +418 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.00% | 102.58% | 117.69% | 128.83% | 115.53% | 116.89% | 125.27% | 146.95% | +1,812 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |