Portland, OR · Cert 34247
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Portland, OR · Cert 34247
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.92% | 0.96% | 0.98% | 1.03% | 1.13% | 1.17% | 1.20% | +22 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 15.18% | 15.53% | 15.89% | n/a | |
| Net Interest Margin | n/a | 4.44% | 4.28% | 4.22% | 4.01% | 4.44% | 4.27% | 4.03% | -20 bps | |
| Efficiency Ratio | n/a | 63.41% | 63.01% | 62.39% | 60.74% | 58.02% | 57.94% | 57.13% | -525 bps | |
| Non-Interest Burden | n/a | 2.69% | 2.58% | 2.51% | 2.31% | 2.40% | 2.29% | 2.12% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.27% | 21.78% | 28.34% | 34.56% | 30.12% | 31.59% | 21.17% | 24.78% | -979 bps | |
| Loan Growth (YoY) | 40.20% | 39.02% | 39.60% | 39.61% | 24.76% | 25.03% | 20.92% | 20.43% | -1,918 bps | |
| Deposit Growth (YoY) | 33.12% | 24.05% | 16.93% | 16.78% | 22.55% | 24.73% | 18.71% | 31.05% | +1,426 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 | n/a | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.05% | +5 bps | |
| Allowance / Loans | n/a | 1.38% | 1.36% | 1.36% | 1.40% | 1.40% | 1.37% | 1.36% | 0 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 | n/a | 10.08% | 10.92% | 11.03% | 11.12% | 10.94% | 11.09% | 11.08% | +5 bps | |
| Equity / Assets | n/a | 7.00% | 7.91% | 7.83% | 7.56% | 7.33% | 7.75% | 7.66% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.85% | 90.55% | 88.44% | 89.48% | 89.44% | 90.77% | 90.09% | 82.24% | -725 bps | |
| Liquid Assets / Assets | 0.00% | 1.35% | 1.21% | 1.28% | 2.23% | 2.14% | 2.04% | 2.15% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |