Beaverton, OR · Cert 27410
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Beaverton, OR · Cert 27410
FDIC
Q3 2005
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -76.85% | 0.70% | 0.55% | 0.38% | 4.75% | 0.06% | 0.17% | -9.42% | -980 bps | |
| Return on Equity | -178.62% | 2.74% | 2.12% | 1.47% | 16.91% | 0.16% | 0.35% | -19.84% | -2,131 bps | |
| Net Interest Margin | -9.40% | 0.87% | 1.06% | 0.93% | 1.02% | 1.20% | 1.35% | 1.64% | +71 bps | |
| Efficiency Ratio | 307% | 27.88% | 53.54% | 62.86% | -337% | 95.18% | 88.33% | 759% | +69,661 bps | |
| Non-Interest Burden | 108.31% | 0.17% | 0.51% | 0.54% | -3.86% | 1.14% | 1.17% | 13.71% | +1,317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -66.22% | -66.00% | 1.64% | -5.34% | -22.23% | -25.80% | -25.42% | -73.43% | -6,809 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | -95.61% | -97.34% | -11.51% | 37.24% | 54.75% | 54.62% | 53.06% | -1.42% | -3,867 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 117.60% | 121.68% | 124.58% | 125.72% | 180.05% | 191.50% | 336% | 108.67% | -1,705 bps | |
| Equity / Assets | 25.33% | 25.98% | 26.35% | 26.62% | 38.34% | 41.01% | 71.06% | 26.97% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 |