Portland, OR · Charter 64190
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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 64190
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.31% | 1.19% | 1.11% | 1.17% | 1.17% | 1.11% | 1.08% | -3 bps | |
| Return on Equity | 13.97% | 12.85% | 11.76% | 11.04% | 11.10% | 10.56% | 9.73% | 9.34% | -170 bps | |
| Net Interest Margin | 2.61% | 2.75% | 2.68% | 2.61% | 2.70% | 2.84% | 2.85% | 2.83% | +22 bps | |
| Efficiency Ratio | 56.84% | 59.84% | 62.77% | 64.36% | 63.59% | 66.58% | 68.95% | 69.67% | +531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.58% | 7.65% | 6.97% | 8.30% | 8.63% | 4.77% | 0.33% | -1.91% | -1,020 bps | |
| Loan Growth (YoY) | 28.88% | 32.74% | 25.28% | 26.19% | 23.80% | 20.18% | 14.36% | 8.48% | -1,771 bps | |
| Share Growth (YoY) | 12.46% | 9.82% | 9.24% | 6.98% | 5.47% | 4.89% | 1.67% | 1.20% | -578 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.07% | 0.07% | 0.14% | 0.12% | 0.14% | 0.14% | 0.06% | -8 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 | 0.54% | 0.55% | 0.52% | 0.47% | 0.42% | 0.22% | 0.22% | 0.22% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.15% | 10.19% | 10.15% | 10.08% | 10.51% | 11.03% | 11.42% | 11.56% | +149 bps | |
| Net Worth / Assets | 10.15% | 10.19% | 10.15% | 10.08% | 10.51% | 11.03% | 11.42% | 11.56% | +149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.37% | 84.74% | 86.35% | 92.37% | 100.21% | 97.10% | 97.13% | 99.02% | +665 bps | |
| Liquid Assets / Assets | 6.47% | 12.40% | 11.55% | 10.96% | 3.95% | 4.50% | 2.66% | 1.68% | -928 bps | |