Eugene, OR · Cert 31964
FDIC
Q2 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.91% | -4.54% | -3.93% | -3.36% | -8.22% | -431 bps | |
| Return on Equity | -51.13% | -62.56% | -56.42% | -60.94% | -183.31% | -13,219 bps | |
| Net Interest Margin | 4.32% | 4.29% | 4.36% | 4.22% | 4.36% | +4 bps | |
| Efficiency Ratio | 80.85% | 82.42% | 91.48% | 105.56% | 104.07% | +2,322 bps | |
| Non-Interest Burden | 3.53% | 3.57% | 4.03% | 4.42% | 4.50% | +98 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.78% | -7.38% | -9.97% | -14.82% | -18.19% | -1,042 bps | |
| Loan Growth (YoY) | -14.04% | -18.54% | -21.47% | -23.99% | -22.58% | -853 bps | |
| Deposit Growth (YoY) | 0.60% | 0.58% | -0.81% | -7.24% | -11.53% | -1,213 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 9.73% | 9.99% | 9.91% | 2.52% | 6.46% | -327 bps | |
| Allowance / Loans | 2.23% | 3.43% | 2.49% | 3.70% | 3.21% | +98 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 | 8.87% | 6.27% | 6.75% | 5.46% | 3.89% | -498 bps | |
| Equity / Assets | 6.71% | 5.99% | 5.73% | 5.27% | 2.21% | -450 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.94% | 86.50% | 84.70% | 85.20% | 83.09% | -1,186 bps | |
| Liquid Assets / Assets | 0.04% | 4.85% | 5.87% | 5.92% | 7.09% | +706 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |