Portland, OR · Charter 5301
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | 0.19% | -0.20% | -0.04% | -1.03% | -0.21% | 0.15% | 0.38% | +42 bps | |
| Return on Equity | -4.59% | 1.31% | -1.35% | -0.28% | -7.35% | -1.49% | 1.10% | 2.53% | +281 bps | |
| Net Interest Margin | 3.64% | 4.07% | 4.27% | 4.08% | 4.12% | 4.04% | 4.19% | 4.58% | +50 bps | |
| Efficiency Ratio | 104.53% | 96.97% | 96.50% | 97.16% | 91.37% | 87.82% | 81.26% | 79.67% | -1,748 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.55% | 8.52% | 12.08% | 12.15% | 3.09% | 3.92% | 9.91% | -0.13% | -1,228 bps | |
| Loan Growth (YoY) | 8.91% | 10.16% | 10.49% | 9.56% | 7.34% | 9.76% | 10.38% | 15.68% | +612 bps | |
| Share Growth (YoY) | 4.15% | 11.53% | 15.83% | 15.59% | 3.16% | 4.77% | 11.32% | -0.19% | -1,578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 1.08% | 1.21% | 1.70% | 0.99% | 0.76% | 0.71% | 1.93% | +23 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 | 1.09% | 0.84% | 1.06% | 0.68% | 1.08% | 0.86% | 0.90% | 1.05% | +37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.77% | 14.57% | 14.88% | 14.46% | 14.03% | 13.79% | 13.75% | 14.86% | +39 bps | |
| Net Worth / Assets | 14.77% | 14.57% | 14.88% | 14.46% | 14.03% | 13.79% | 13.75% | 14.86% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.17% | 65.57% | 70.36% | 65.97% | 67.81% | 68.69% | 69.76% | 76.46% | +1,049 bps | |
| Liquid Assets / Assets | 41.04% | 30.65% | 36.92% | 34.41% | 31.18% | 27.51% | 26.77% | 21.65% | -1,276 bps | |