Beaverton, OR · Cert 57342
FDIC
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.36% | 0.02% | -1.49% | -1.39% | -3.68% | -232 bps | |
| Return on Equity | -12.45% | 0.23% | -14.96% | -13.69% | -37.37% | -2,492 bps | |
| Net Interest Margin | 5.48% | 2.86% | 3.37% | 3.30% | 3.41% | -206 bps | |
| Efficiency Ratio | 84.37% | 134.47% | 122.00% | 133.02% | 137.29% | +5,292 bps | |
| Non-Interest Burden | 4.58% | 3.88% | 4.14% | 4.45% | 4.75% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.41% | -0.38% | -11.78% | -3.08% | -17.15% | -1,274 bps | |
| Loan Growth (YoY) | -24.60% | -18.53% | -10.02% | -6.17% | -1.05% | +2,355 bps | |
| Deposit Growth (YoY) | -0.41% | 1.12% | -10.91% | -1.56% | -17.09% | -1,668 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.97% | -3.28% | 0.14% | 0.12% | 0.68% | -529 bps | |
| Allowance / Loans | 1.65% | 2.05% | 2.56% | 2.62% | 2.09% | +44 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 11.71% | 11.46% | 9.94% | 10.09% | 9.96% | -175 bps | |
| Equity / Assets | 10.20% | 9.67% | 10.07% | 10.91% | 8.29% | -191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.01% | 80.39% | 92.40% | 100.79% | 100.26% | +1,625 bps | |
| Liquid Assets / Assets | 5.18% | 6.45% | 4.27% | 3.66% | 0.00% | -518 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |