Portland, OR · Charter 7793
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.24% | -0.08% | -3.48% | -2.29% | -0.92% | -0.41% | -1.59% | +189 bps | |
| Return on Equity | -0.72% | -0.98% | -0.30% | -14.50% | -10.03% | -4.43% | -1.92% | -8.02% | +648 bps | |
| Net Interest Margin | 5.33% | 5.18% | 5.72% | 5.66% | 5.67% | 4.79% | 5.46% | 5.25% | -41 bps | |
| Efficiency Ratio | 102.78% | 103.75% | 96.43% | 64.18% | 101.83% | 118.11% | 107.04% | 110.99% | +4,681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | 5.02% | 6.13% | -0.39% | 1.02% | -2.23% | -1.55% | 2.91% | +330 bps | |
| Loan Growth (YoY) | 0.77% | 9.36% | -5.14% | 0.82% | -13.09% | -29.52% | -28.42% | -28.19% | -2,902 bps | |
| Share Growth (YoY) | -1.34% | 7.07% | 8.59% | 2.53% | 4.77% | 2.98% | 4.39% | 8.60% | +607 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.75% | 10.87% | 11.36% | 12.76% | 13.69% | 9.96% | 11.23% | 10.61% | -215 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 | 3.76% | 3.45% | 4.01% | 6.00% | 2.66% | 2.21% | 2.70% | 4.06% | -194 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.75% | 24.85% | 25.67% | 23.97% | 22.85% | 20.82% | 21.30% | 19.84% | -413 bps | |
| Net Worth / Assets | 25.75% | 24.85% | 25.67% | 23.97% | 22.85% | 20.82% | 21.30% | 19.84% | -413 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.02% | 99.43% | 94.28% | 97.21% | 78.82% | 68.05% | 64.65% | 64.28% | -3,293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |