Woodburn, OR · Cert 34892
FDIC
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.89% | 0.91% | 0.36% | 0.37% | 0.58% | 0.68% | -0.41% | -77 bps | |
| Return on Equity | 9.75% | 9.05% | 9.20% | 3.71% | 3.99% | 6.33% | 7.44% | -4.63% | -833 bps | |
| Net Interest Margin | 5.16% | 4.91% | 4.95% | 5.10% | 4.68% | 4.73% | 4.80% | 4.72% | -38 bps | |
| Efficiency Ratio | 67.76% | 71.09% | 71.70% | 83.97% | 85.67% | 78.80% | 76.46% | 100.48% | +1,652 bps | |
| Non-Interest Burden | 3.38% | 3.40% | 3.47% | 4.25% | 3.98% | 3.68% | 3.61% | 4.75% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.81% | 18.54% | 12.34% | 13.27% | 12.07% | 11.60% | 15.52% | 10.23% | -304 bps | |
| Loan Growth (YoY) | 23.14% | 19.67% | 11.16% | 11.07% | 11.23% | 19.30% | 20.55% | 12.29% | +122 bps | |
| Deposit Growth (YoY) | 5.56% | 11.08% | 1.69% | 14.92% | 15.74% | 12.73% | 14.77% | 5.47% | -946 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 | 0.00% | 0.08% | 0.06% | 0.02% | -0.01% | -0.01% | -0.02% | 0.00% | -2 bps | |
| Allowance / Loans | 1.15% | 1.08% | 1.07% | 1.08% | 1.07% | 1.07% | 1.14% | 1.21% | +13 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 | 13.01% | 12.99% | 13.35% | 12.44% | 11.95% | 12.20% | 12.13% | 12.28% | -15 bps | |
| Equity / Assets | 9.33% | 9.58% | 9.89% | 9.30% | 8.87% | 8.93% | 8.92% | 8.84% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.88% | 81.39% | 87.04% | 84.82% | 78.69% | 86.14% | 91.42% | 90.31% | +549 bps | |
| Liquid Assets / Assets | 0.22% | 1.07% | 1.76% | 1.12% | 1.23% | 1.41% | 1.03% | 1.03% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |