Prineville, OR · Cert 23268
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Prineville, OR · Cert 23268
FDIC
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.01% | 0.45% | -0.03% | -3.72% | -2.99% | -17.80% | -14.92% | -1,489 bps | |
| Return on Equity | 10.86% | 10.73% | 4.96% | -0.28% | -44.59% | -37.18% | -380% | -495% | -49,436 bps | |
| Net Interest Margin | 4.53% | 4.42% | 3.93% | 3.70% | 3.42% | 3.21% | 2.13% | 2.09% | -161 bps | |
| Efficiency Ratio | 69.29% | 70.21% | 84.82% | 93.43% | 100.66% | 107.73% | 474% | 237% | +14,316 bps | |
| Non-Interest Burden | 2.84% | 2.82% | 3.19% | 3.40% | 3.45% | 3.54% | 6.18% | 5.26% | +186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.51% | 18.91% | 15.62% | 10.77% | 8.07% | 1.43% | -2.35% | -7.58% | -1,835 bps | |
| Loan Growth (YoY) | 20.98% | 23.46% | 18.66% | 8.22% | 1.35% | -8.10% | -13.47% | -16.67% | -2,489 bps | |
| Deposit Growth (YoY) | 6.63% | 12.72% | 13.86% | 11.82% | 12.43% | 8.02% | 10.14% | 6.99% | -483 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 | 0.06% | 0.05% | 0.12% | 0.22% | 5.41% | 5.39% | 13.13% | 9.80% | +958 bps | |
| Allowance / Loans | 1.22% | 1.20% | 1.21% | 1.40% | 3.38% | 2.32% | 6.26% | 5.04% | +364 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 | 12.25% | 11.77% | 11.89% | 11.81% | 9.05% | 9.42% | 4.38% | -0.69% | -1,250 bps | |
| Equity / Assets | 9.36% | 9.11% | 9.22% | 8.74% | 6.35% | 6.79% | 2.52% | -0.47% | -921 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.58% | 103.33% | 105.11% | 100.39% | 91.58% | 87.92% | 82.58% | 78.19% | -2,220 bps | |
| Liquid Assets / Assets | 0.05% | 1.10% | 0.25% | 2.26% | 0.27% | 0.05% | 3.61% | 6.63% | +436 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |