Portland, OR · Charter 4938
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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 · Charter 4938
Q3 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | -0.31% | 0.55% | -0.30% | -1.18% | 0.59% | -0.06% | -0.01% | +29 bps | |
| Return on Equity | 6.07% | -4.31% | 7.46% | -4.43% | -20.36% | 9.74% | -1.08% | -0.13% | +431 bps | |
| Net Interest Margin | 5.19% | 4.97% | 4.77% | 4.45% | 4.38% | 4.02% | 3.95% | 3.80% | -66 bps | |
| Efficiency Ratio | 85.26% | 83.47% | 81.06% | 86.15% | 87.58% | 94.63% | 92.18% | 92.01% | +586 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.23% | 1.98% | 4.60% | 9.04% | 6.74% | 4.17% | 1.80% | 4.04% | -500 bps | |
| Loan Growth (YoY) | -5.95% | -9.54% | -10.40% | -17.38% | -19.66% | -22.90% | -17.92% | -16.69% | +69 bps | |
| Share Growth (YoY) | 14.74% | 1.58% | 4.67% | 9.71% | 8.48% | 5.49% | 3.43% | 5.35% | -436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.58% | 3.21% | 4.67% | 5.61% | 1.62% | 1.83% | 1.37% | 1.82% | -379 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.79% | 0.87% | 1.32% | 0.94% | 0.79% | 1.38% | 1.40% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.29% | 7.37% | 6.74% | 5.79% | 6.03% | 5.76% | 5.56% | -118 bps | |
| Net Worth / Assets | 7.43% | 7.29% | 7.37% | 6.74% | 5.79% | 6.03% | 5.76% | 5.56% | -118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.39% | 69.26% | 61.24% | 56.15% | 52.87% | 50.62% | 48.60% | 44.40% | -1,175 bps | |
| Liquid Assets / Assets | 30.79% | 32.37% | 39.35% | 43.17% | 40.84% | 34.24% | 44.94% | 54.22% | +1,106 bps | |