Gresham, OR · Charter 9418
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Gresham, OR · Charter 9418
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.11% | 0.01% | -0.03% | 0.13% | -0.16% | -0.02% | 0.54% | +57 bps | |
| Return on Equity | 3.72% | 1.51% | 0.13% | -0.38% | 1.77% | -2.20% | -0.28% | 7.10% | +748 bps | |
| Net Interest Margin | 3.68% | 3.57% | 3.57% | 3.41% | 3.39% | 3.60% | 3.66% | 3.71% | +30 bps | |
| Efficiency Ratio | 92.80% | 93.63% | 94.57% | 95.95% | 93.28% | 91.06% | 88.63% | 84.28% | -1,167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.12% | 7.26% | 1.17% | -2.28% | -3.93% | -8.71% | -7.22% | -2.90% | -63 bps | |
| Loan Growth (YoY) | -3.22% | -0.10% | -6.71% | 0.54% | -2.87% | -1.49% | 3.60% | 3.80% | +326 bps | |
| Share Growth (YoY) | 5.73% | 7.41% | 1.31% | -2.27% | -3.79% | -9.55% | -7.82% | -3.29% | -102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 1.22% | 1.52% | 1.31% | 1.22% | 1.01% | 0.72% | 0.71% | -60 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 | 0.22% | 0.20% | 0.34% | 0.44% | 0.49% | 0.77% | 0.48% | 0.55% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.04% | 7.02% | 7.02% | 7.29% | 7.27% | 7.39% | 7.55% | 7.63% | +34 bps | |
| Net Worth / Assets | 7.04% | 7.02% | 7.02% | 7.29% | 7.27% | 7.39% | 7.55% | 7.63% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.22% | 58.73% | 58.42% | 59.78% | 59.79% | 63.96% | 65.66% | 64.16% | +438 bps | |
| Liquid Assets / Assets | 30.15% | 36.32% | 30.84% | 39.82% | 28.50% | 19.92% | 21.36% | 23.01% | -1,681 bps | |