Beaverton, OR · Cert 57342
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.64% | -5.41% | -1.44% | 0.02% | -3.01% | -1.16% | -11.62% | -1,017 bps | |
| Return on Equity | 3.75% | 5.87% | -47.30% | -13.07% | 0.23% | -30.49% | -11.09% | -120.78% | -10,770 bps | |
| Net Interest Margin | 5.13% | 4.95% | 4.79% | 4.69% | 2.86% | 3.66% | 2.63% | 2.87% | -183 bps | |
| Efficiency Ratio | 88.07% | 82.78% | 84.69% | 81.49% | 134.47% | 111.31% | 161.53% | 153.38% | +7,189 bps | |
| Non-Interest Burden | 4.50% | 4.07% | 4.00% | 3.75% | 3.88% | 4.08% | 4.41% | 4.47% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.85% | 5.03% | -22.16% | -4.41% | -0.38% | -11.78% | -3.08% | -17.15% | -1,274 bps | |
| Loan Growth (YoY) | 5.24% | -6.83% | -18.24% | -24.60% | -18.53% | -10.02% | -6.17% | -1.05% | +2,355 bps | |
| Deposit Growth (YoY) | 17.53% | 6.35% | -22.00% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.65% | -0.02% | 11.38% | 12.45% | -3.28% | 3.50% | 0.08% | 2.34% | -1,011 bps | |
| Allowance / Loans | 3.00% | 3.26% | 2.71% | 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 | 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 | 12.13% | 12.96% | 12.00% | 11.71% | 11.46% | 9.94% | 10.09% | 9.96% | -175 bps | |
| Equity / Assets | 10.83% | 10.98% | 12.00% | 10.20% | 9.67% | 10.07% | 10.91% | 8.29% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.78% | 91.48% | 105.74% | 84.01% | 80.39% | 92.40% | 100.79% | 100.26% | +1,625 bps | |
| Liquid Assets / Assets | 0.00% | 3.53% | 0.00% | 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 | n/a | n/a | n/a |