Portland, OR · Charter 60001
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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 60001
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.83% | 0.82% | 0.81% | 0.80% | 0.80% | 0.82% | 0.19% | -62 bps | |
| Return on Equity | 8.38% | 8.07% | 7.87% | 7.71% | 7.58% | 7.05% | 7.05% | 1.56% | -615 bps | |
| Net Interest Margin | 3.26% | 3.23% | 3.20% | 3.15% | 3.04% | 3.30% | 3.27% | 1.20% | -195 bps | |
| Efficiency Ratio | 72.43% | 73.05% | 73.88% | 74.61% | 78.43% | 79.47% | 78.78% | 86.17% | +1,156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.19% | 0.75% | -0.10% | 4.74% | 7.22% | 41.98% | 40.48% | 31.62% | +2,688 bps | |
| Loan Growth (YoY) | 23.60% | 9.91% | 7.91% | 16.79% | 9.72% | 51.08% | 52.40% | 39.28% | +2,250 bps | |
| Share Growth (YoY) | 12.50% | -0.12% | -1.07% | 4.08% | 6.82% | 40.23% | 37.81% | 31.46% | +2,738 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.50% | 0.19% | 0.35% | 0.31% | 0.35% | 0.35% | 0.39% | +4 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 | 0.76% | 0.83% | 0.82% | 0.87% | 0.79% | 0.52% | 0.43% | 0.34% | -54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.24% | 10.32% | 10.43% | 10.52% | 10.50% | 11.33% | 11.60% | 12.27% | +174 bps | |
| Net Worth / Assets | 10.24% | 10.32% | 10.43% | 10.52% | 10.50% | 11.33% | 11.60% | 12.27% | +174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.83% | 59.56% | 58.32% | 62.68% | 61.46% | 64.16% | 64.49% | 66.41% | +373 bps | |
| Liquid Assets / Assets | 11.38% | 6.63% | 10.35% | 10.53% | 11.93% | 16.96% | 18.00% | 16.98% | +645 bps | |