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First Technology

Beaverton, OR · Charter 68281

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Technology

Beaverton, OR · Charter 68281

Q3 2010

$2.3BAssets
$1.2BLoans
$1.9BShares
$195.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, down 104 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 1.25% of loans (+29 bps YoY).
  • Capital: net worth / assets of 8.40%, down 24 bps from a year ago.
  • Funding: loans stand at 59.40% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

0.47%-104 bps YoY

Net Interest Margin (YTD, annualized)

2.50%-41 bps YoY

Efficiency Ratio (YTD, annualized)

72.52%+1,792 bps YoY

Net Worth / Assets

8.40%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.76%0.66%0.20%1.51%1.17%1.07%0.48%0.47%-104 bps
Return on Equity8.53%7.23%2.51%17.47%13.91%12.48%5.64%5.60%-1,187 bps
Net Interest Margin2.85%2.93%2.89%2.90%2.78%2.77%2.61%2.50%-41 bps
Efficiency Ratio71.18%70.41%63.17%54.60%59.14%61.11%72.83%72.52%+1,792 bps
Growth
Asset Growth (YoY)10.14%5.30%11.85%12.46%12.63%14.57%8.33%11.93%-53 bps
Loan Growth (YoY)4.20%0.41%-0.88%-2.14%-4.18%-4.24%-2.02%1.62%+376 bps
Share Growth (YoY)15.28%9.66%13.36%17.68%16.14%17.52%14.26%17.12%-56 bps
Asset Quality
Delinquent Loans / Loans0.75%0.83%0.88%0.96%1.12%1.09%0.96%1.25%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.75%0.97%1.01%1.07%1.07%1.04%1.08%0.98%-8 bps
Capital
Risk-Based Capital8.91%9.09%7.96%8.63%8.41%8.56%8.46%8.40%-24 bps
Net Worth / Assets8.91%9.09%7.96%8.63%8.41%8.56%8.46%8.40%-24 bps
Liquidity & Funding
Loans / Shares78.60%78.90%70.68%68.46%64.84%64.29%60.61%59.40%-906 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps