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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -3.72% | -2.99% | -17.80% | -14.92% | -1,489 bps | |
| Return on Equity | -0.28% | -44.59% | -37.18% | -380% | -495% | -49,436 bps | |
| Net Interest Margin | 3.70% | 3.42% | 3.21% | 2.13% | 2.09% | -161 bps | |
| Efficiency Ratio | 93.43% | 100.66% | 107.73% | 474% | 237% | +14,316 bps | |
| Non-Interest Burden | 3.40% | 3.45% | 3.54% | 6.18% | 5.26% | +186 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.77% | 8.07% | 1.43% | -2.35% | -7.58% | -1,835 bps | |
| Loan Growth (YoY) | 8.22% | 1.35% | -8.10% | -13.47% | -16.67% | -2,489 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.22% | 5.41% | 5.39% | 13.13% | 9.80% | +958 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.81% | 9.05% | 9.42% | 4.38% | -0.69% | -1,250 bps | |
| Equity / Assets | 8.74% | 6.35% | 6.79% | 2.52% | -0.47% | -921 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.39% | 91.58% | 87.92% | 82.58% | 78.19% | -2,220 bps | |
| Liquid Assets / Assets | 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 |