PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Banner Bank of Oregon

Hermiston, OR · Cert 16676

FDIC

Q2 2001

$230.3MAssets
$171.4MLoans
$172.2MDeposits
$28.3MEquity
Loan mix
54%RE $28.5M44%C&I $23.2M2%Consumer $1.1MQ2 2000Q2 2001
Deposit mix
77%Interest-bearing $133.3M23%Noninterest $38.9MQ2 2000Q2 2001

NIM

8.04%Q1 ’018.03%Q2 ’01+2%

Non-interest income vs. expense

3.44%Q1 ’013.35%Q2 ’01-5%

Executive Summary

  • Earnings: ROA of 1.28%, up 2 bps year over year; NIM at 5.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 99.53% of deposits as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

1.28%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.01%

Efficiency Ratio (YTD, annualized)

57.54%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.27%1.29%1.29%1.15%1.28%+2 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.93%5.01%n/a
Efficiency Ration/an/an/a60.35%57.54%n/a
Non-Interest Burdenn/an/an/a2.67%2.54%n/a
Growth
Asset Growth (YoY)13.36%3.47%11.79%3.94%0.02%-1,334 bps
Loan Growth (YoY)10.41%1.80%11.49%6.25%4.95%-546 bps
Deposit Growth (YoY)1.95%-0.01%1.73%-0.16%-1.41%-336 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.05%0.05%n/a
Allowance / Loansn/an/an/a1.15%1.12%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a11.60%11.78%n/a
Equity / Assetsn/an/an/a12.14%12.30%n/a
Liquidity & Funding
Loans / Deposits93.50%90.01%91.11%92.91%99.53%+603 bps
Liquid Assets / Assets0.00%0.00%0.00%0.33%0.34%+34 bps
CRE / Total Capitaln/an/an/an/an/an/an/a