Hillsboro, OR · Charter 68333
Q2 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.15% | 0.30% | 0.99% | 1.06% | 0.93% | 0.75% | 0.73% | -26 bps | |
| Return on Equity | 1.57% | 1.91% | 3.77% | 12.41% | 12.82% | 11.08% | 9.09% | 9.15% | -326 bps | |
| Net Interest Margin | 4.48% | 3.81% | 4.05% | 4.75% | 4.79% | 4.80% | 4.32% | 4.10% | -65 bps | |
| Efficiency Ratio | 91.20% | 91.70% | 88.84% | 77.72% | 77.67% | 80.69% | 83.26% | 84.24% | +652 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.51% | 14.43% | 20.34% | 19.18% | 17.46% | 4.57% | 6.78% | 10.28% | -890 bps | |
| Loan Growth (YoY) | 34.41% | 20.86% | 6.75% | -5.49% | -9.30% | -5.89% | -2.86% | 1.01% | +650 bps | |
| Share Growth (YoY) | 8.52% | 14.88% | 21.06% | 19.32% | 18.74% | 3.77% | 6.10% | 11.11% | -820 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.45% | 0.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.61% | 0.59% | 0.56% | 0.57% | 0.56% | 0.46% | 0.42% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.89% | 7.99% | 8.03% | 8.00% | 8.30% | 8.43% | 8.26% | 8.02% | +2 bps | |
| Net Worth / Assets | 8.89% | 7.99% | 8.03% | 8.00% | 8.30% | 8.43% | 8.26% | 8.02% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.28% | 80.79% | 74.29% | 72.24% | 72.78% | 73.27% | 68.02% | 65.67% | -657 bps | |
| Liquid Assets / Assets | 1.98% | 19.29% | 22.70% | 29.53% | 29.78% | 27.24% | 32.80% | 33.93% | +439 bps | |