West Linn, OR · Charter 68267
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
West Linn, OR · Charter 68267
Q1 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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.11% | 0.03% | 0.05% | -0.22% | -0.30% | -0.49% | -1.80% | -184 bps | |
| Return on Equity | n/a | 1.22% | 0.33% | 0.47% | -2.30% | -3.13% | -5.13% | -20.11% | -2,058 bps | |
| Net Interest Margin | 4.65% | 4.99% | 4.86% | 5.08% | 4.37% | 4.28% | 4.30% | 3.79% | -129 bps | |
| Efficiency Ratio | 89.87% | 87.13% | 90.86% | 89.35% | 97.69% | 99.51% | 101.37% | 116.02% | +2,667 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.56% | -7.99% | -5.02% | -6.53% | -6.95% | -4.29% | -6.33% | -0.55% | +598 bps | |
| Loan Growth (YoY) | -0.23% | 0.28% | -5.09% | -11.81% | -20.13% | -20.87% | -23.07% | -27.83% | -1,602 bps | |
| Share Growth (YoY) | -2.23% | -8.70% | -5.61% | -7.32% | -7.42% | -4.63% | -6.59% | 0.40% | +772 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.69% | 1.63% | 2.58% | 3.05% | 4.14% | 3.90% | 4.54% | 3.80% | +75 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 | 1.37% | 1.30% | 1.44% | 1.56% | 1.62% | 1.53% | 1.38% | 1.76% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 9.32% | 9.35% | 9.81% | 9.61% | 9.56% | 9.52% | 8.93% | -88 bps | |
| Net Worth / Assets | n/a | 9.32% | 9.35% | 9.81% | 9.61% | 9.56% | 9.52% | 8.93% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.27% | 68.84% | 66.72% | 66.94% | 58.90% | 57.11% | 54.95% | 48.12% | -1,882 bps | |
| Liquid Assets / Assets | 17.19% | 31.16% | 31.20% | 31.47% | 41.71% | 42.99% | 42.05% | 43.76% | +1,229 bps | |