Eugene, OR · Cert 31964
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.76% | -1.41% | -2.43% | -5.42% | -5.84% | -1.99% | -3.36% | -13.44% | -802 bps | |
| Return on Equity | -9.12% | -16.89% | -29.95% | -74.30% | -91.87% | -33.91% | -60.94% | -354% | -27,974 bps | |
| Net Interest Margin | 4.57% | 4.31% | 4.40% | 4.16% | 4.04% | 4.25% | 4.22% | 4.27% | +11 bps | |
| Efficiency Ratio | 63.50% | 68.47% | 70.09% | 93.75% | 85.83% | 134.46% | 105.56% | 102.54% | +879 bps | |
| Non-Interest Burden | 2.76% | 2.89% | 3.07% | 3.93% | 3.49% | 5.17% | 4.42% | 4.36% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.48% | -3.30% | -6.06% | -7.78% | -7.38% | -9.97% | -14.82% | -18.19% | -1,042 bps | |
| Loan Growth (YoY) | -2.19% | -6.02% | -8.80% | -14.04% | -18.54% | -21.47% | -23.99% | -22.58% | -853 bps | |
| Deposit Growth (YoY) | 1.82% | 1.00% | 0.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.88% | 3.13% | 6.17% | 12.78% | 8.79% | 7.71% | 2.52% | 10.24% | -254 bps | |
| Allowance / Loans | 2.11% | 2.43% | 2.42% | 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 | 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 | 10.96% | 10.98% | 10.38% | 8.87% | 6.27% | 6.75% | 5.46% | 3.89% | -498 bps | |
| Equity / Assets | 8.36% | 8.36% | 7.86% | 6.71% | 5.99% | 5.73% | 5.27% | 2.21% | -450 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.80% | 106.98% | 103.97% | 94.94% | 86.50% | 84.70% | 85.20% | 83.09% | -1,186 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.05% | 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 | n/a | n/a | n/a |