Hermiston, OR · Cert 16676
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Hermiston, OR · Cert 16676
FDIC
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.54% | 1.19% | 1.27% | 1.29% | 1.29% | 1.15% | 1.28% | +2 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.93% | 5.01% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 60.35% | 57.54% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.67% | 2.54% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.70% | 3.64% | 8.30% | 13.36% | 3.47% | 11.79% | 3.94% | 0.02% | -1,334 bps | |
| Loan Growth (YoY) | 15.21% | 13.01% | 9.53% | 10.41% | 1.80% | 11.49% | 6.25% | 4.95% | -546 bps | |
| Deposit Growth (YoY) | 8.11% | 1.52% | 2.74% | 1.95% | -0.01% | 1.73% | -0.16% | -1.41% | -336 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.05% | 0.05% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.15% | 1.12% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 11.60% | 11.78% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 12.14% | 12.30% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.40% | 83.14% | 87.30% | 93.50% | 90.01% | 91.11% | 92.91% | 99.53% | +603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 0.34% | +34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |