Portland, OR · Cert 34469
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 34469
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.35% | 1.70% | 1.77% | 1.83% | 1.83% | 1.72% | 1.71% | -6 bps | |
| Return on Equity | 12.63% | 13.84% | 16.11% | 16.40% | 16.70% | 16.53% | 14.66% | 14.65% | -174 bps | |
| Net Interest Margin | 4.62% | 4.79% | 5.48% | 5.47% | 5.40% | 5.38% | 5.08% | 5.03% | -45 bps | |
| Efficiency Ratio | 63.45% | 61.77% | 50.77% | 49.56% | 50.05% | 50.60% | 53.85% | 52.74% | +319 bps | |
| Non-Interest Burden | 2.43% | 2.51% | 2.42% | 2.37% | 2.33% | 2.35% | 2.42% | 2.31% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.68% | 20.96% | 21.64% | 14.56% | 11.71% | 15.15% | 13.00% | 10.12% | -443 bps | |
| Loan Growth (YoY) | 27.62% | 19.56% | 21.83% | 13.94% | 13.68% | 16.23% | 4.78% | -0.31% | -1,425 bps | |
| Deposit Growth (YoY) | 22.68% | 19.34% | 25.27% | 20.03% | 9.40% | 8.80% | 9.83% | 10.84% | -920 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 | 0.13% | 0.10% | 0.08% | 0.09% | 0.06% | 0.06% | 0.00% | 0.00% | -9 bps | |
| Allowance / Loans | 0.96% | 1.01% | 1.01% | 1.00% | 1.03% | 1.07% | 1.10% | 1.12% | +11 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 | 11.40% | 12.29% | 14.09% | 13.71% | 14.14% | 14.49% | 14.98% | 14.89% | +117 bps | |
| Equity / Assets | 9.27% | 9.63% | 11.42% | 11.23% | 11.46% | 11.60% | 11.85% | 11.59% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.26% | 99.52% | 106.13% | 111.49% | 107.30% | 106.32% | 101.25% | 100.28% | -1,121 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 |