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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 4.75% | 0.06% | 0.17% | -9.42% | -980 bps | |
| Return on Equity | 1.47% | 16.91% | 0.16% | 0.35% | -19.84% | -2,131 bps | |
| Net Interest Margin | 0.93% | 1.02% | 1.20% | 1.35% | 1.64% | +71 bps | |
| Efficiency Ratio | 62.86% | -337% | 95.18% | 88.33% | 759% | +69,661 bps | |
| Non-Interest Burden | 0.54% | -3.86% | 1.14% | 1.17% | 13.71% | +1,317 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.34% | -22.23% | -25.80% | -25.42% | -73.43% | -6,809 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| 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 | 125.72% | 180.05% | 191.50% | 336% | 108.67% | -1,705 bps | |
| Equity / Assets | 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 bps | |
| Liquid Assets / Assets | 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 |