Portland, OR · Charter 7065
Q4 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.40% | -0.91% | -1.17% | -0.76% | -0.01% | -2.53% | -2.29% | -4.89% | -414 bps | |
| Return on Equity | -24.71% | -16.93% | -23.95% | -15.26% | -0.14% | -68.35% | -73.05% | -39982% | -3,996,669 bps | |
| Net Interest Margin | 4.86% | 4.69% | 4.06% | 4.30% | 3.89% | 3.87% | 3.69% | 3.66% | -64 bps | |
| Efficiency Ratio | 73.40% | 74.62% | 99.07% | 90.36% | 87.73% | 90.69% | 107.22% | 137.86% | +4,751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.09% | 2.11% | 1.09% | -4.59% | -1.67% | -5.75% | -6.65% | -1.55% | +303 bps | |
| Loan Growth (YoY) | -12.14% | -9.57% | -12.31% | -6.25% | -9.02% | -6.09% | -0.27% | -7.28% | -103 bps | |
| Share Growth (YoY) | -7.77% | 3.51% | 1.95% | -3.43% | -0.56% | -3.91% | -5.00% | 3.00% | +642 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.06% | 7.57% | 4.60% | 7.46% | 7.42% | 6.19% | 6.58% | 4.64% | -282 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 | 2.83% | 2.35% | 2.57% | 2.02% | 1.75% | 1.65% | 2.23% | 1.67% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.66% | 5.37% | 4.89% | 4.97% | 4.80% | 3.70% | 3.13% | 0.01% | -496 bps | |
| Net Worth / Assets | 5.66% | 5.37% | 4.89% | 4.97% | 4.80% | 3.70% | 3.13% | 0.01% | -496 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.59% | 80.04% | 71.27% | 79.43% | 74.65% | 78.22% | 74.82% | 71.50% | -792 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |