Portland, OR · Charter 68467
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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 68467
Q1 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.40% | 0.45% | 0.37% | 0.08% | -0.40% | -0.62% | 0.62% | +25 bps | |
| Return on Equity | 4.20% | 4.36% | 4.79% | 4.16% | 0.98% | -4.69% | -7.33% | 7.36% | +320 bps | |
| Net Interest Margin | 4.07% | 3.99% | 3.99% | 3.73% | 3.52% | 3.62% | 3.78% | 3.52% | -22 bps | |
| Efficiency Ratio | 83.16% | 83.34% | 83.69% | 89.39% | 94.68% | 95.02% | 95.57% | 84.51% | -488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -0.11% | 6.35% | 11.84% | 5.81% | 2.66% | -0.17% | -652 bps | |
| Loan Growth (YoY) | n/a | n/a | -4.94% | -0.03% | 3.27% | 1.62% | 0.06% | 0.48% | +51 bps | |
| Share Growth (YoY) | n/a | n/a | -0.57% | 6.42% | 12.77% | 6.61% | 3.63% | 0.28% | -614 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.60% | 0.89% | 0.89% | 0.66% | 0.63% | 0.26% | 0.28% | -61 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 | 0.59% | 0.62% | 0.61% | 0.56% | 0.37% | 0.68% | 0.60% | 0.57% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.31% | 9.16% | 9.33% | 8.91% | 8.60% | 8.49% | 8.46% | 8.38% | -53 bps | |
| Net Worth / Assets | 9.31% | 9.16% | 9.33% | 8.91% | 8.60% | 8.49% | 8.46% | 8.38% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.25% | 72.90% | 74.28% | 69.08% | 68.91% | 69.48% | 71.72% | 69.21% | +14 bps | |
| Liquid Assets / Assets | 21.07% | 24.29% | 22.95% | 27.93% | 27.51% | 25.14% | 21.42% | 23.88% | -405 bps | |