Hillsboro, OR · Charter 68333
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 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.
Hillsboro, OR · Charter 68333
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.06% | 0.93% | 0.75% | 0.73% | -26 bps | |
| Return on Equity | 12.41% | 12.82% | 11.08% | 9.09% | 9.15% | -326 bps | |
| Net Interest Margin | 4.75% | 4.79% | 4.80% | 4.32% | 4.10% | -65 bps | |
| Efficiency Ratio | 77.72% | 77.67% | 80.69% | 83.26% | 84.24% | +652 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.18% | 17.46% | 4.57% | 6.78% | 10.28% | -890 bps | |
| Loan Growth (YoY) | -5.49% | -9.30% | -5.89% | -2.86% | 1.01% | +650 bps | |
| Share Growth (YoY) | 19.32% | 18.74% | 3.77% | 6.10% | 11.11% | -820 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.41% | 0.65% | 0.42% | 0.05% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.57% | 0.56% | 0.46% | 0.42% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.00% | 8.30% | 8.43% | 8.26% | 8.02% | +2 bps | |
| Net Worth / Assets | 8.00% | 8.30% | 8.43% | 8.26% | 8.02% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.24% | 72.78% | 73.27% | 68.02% | 65.67% | -657 bps | |
| Liquid Assets / Assets | 29.53% | 29.78% | 27.24% | 32.80% | 33.93% | +439 bps | |