Prineville, OR · Cert 23268
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.96% | 0.45% | -0.50% | -10.99% | -0.78% | -17.80% | -11.96% | -1,146 bps | |
| Return on Equity | 11.15% | 10.38% | 4.96% | -5.54% | -145.51% | -11.82% | -380% | -1143% | -113,726 bps | |
| Net Interest Margin | 4.69% | 4.44% | 3.93% | 3.56% | 2.99% | 2.46% | 2.13% | 1.93% | -163 bps | |
| Efficiency Ratio | 70.45% | 72.95% | 84.82% | 102.31% | 117.13% | 134.29% | 474% | 158.90% | +5,658 bps | |
| Non-Interest Burden | 3.01% | 2.99% | 3.19% | 3.67% | 3.67% | 3.67% | 6.18% | 3.99% | +32 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 | 0.02% | 0.03% | 0.12% | 0.31% | 15.78% | 4.81% | 13.13% | 5.92% | +561 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 |