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Bank of the Cascades

Bend, OR · Cert 22407

FDIC · 47 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of the Cascades

Bend, OR · Cert 22407

FDIC · 47 branches

Q2 2017

$3.3BAssets
$2.1BLoans
$2.8BDeposits
$518.0MEquity
Loan mix
75%RE $1.1B22%C&I $0.3B3%Consumer $0.0BQ2 2016Q2 2017
Deposit mix
87%Interest-bearing $2.4B13%Noninterest $0.4BQ2 2016Q2 2017

NIM

3.28%Q2 ’153.07%Q2 ’160.61%Q2 ’17-7%-79%

Non-interest income vs. expense

3.05%Q2 ’153.01%Q2 ’160.49%Q2 ’17+12%-86%

Market Position · Bend-Redmond, OR · 2017 SOD (annual) · 27.8% share · #1 of 10 inst. · $1.0B of $3.4B

27.8% Deschutes
4.3% Ada
0.8% Multnomah
6.4% Jackson

Executive Summary

  • Earnings: ROA of 0.19%, down 37 bps year over year; NIM at 0.65%.
  • Asset quality: problem loans at 0.16% of loans (+16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.12%, up 28 bps from a year ago.
  • Funding: loans stand at 75.01% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.19%-37 bps YoY

Net Interest Margin (YTD, annualized)

0.65%-247 bps YoY

Efficiency Ratio (YTD, annualized)

59.06%-1,800 bps YoY

Tier 1 Leverage Ratio

8.12%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.56%0.59%0.67%0.95%0.19%-37 bps
Return on Equity4.74%5.02%5.71%8.10%1.47%-327 bps
Net Interest Margin3.12%3.05%3.09%3.35%0.65%-247 bps
Efficiency Ratio77.06%75.94%72.65%61.89%59.06%-1,800 bps
Non-Interest Burden2.15%2.06%1.96%1.68%0.30%-185 bps
Growth
Asset Growth (YoY)22.64%28.62%24.72%5.14%12.40%-1,024 bps
Loan Growth (YoY)17.08%25.50%24.92%18.48%8.37%-871 bps
Deposit Growth (YoY)24.99%31.66%27.70%5.36%7.45%-1,754 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.60%0.16%+16 bps
Net Charge-Offs / Loans-0.03%-0.05%-0.04%-0.01%0.00%+3 bps
Allowance / Loans1.30%1.22%1.20%1.20%0.00%-130 bps
Allowance Coverage of NPLsn/an/an/a2.0x0.0xn/a
Capital
Tier 1 Leverage Ratio7.84%8.25%8.44%8.87%8.12%+28 bps
Total Risk-Based Capital11.00%11.28%11.36%11.68%10.53%-47 bps
Equity / Assets11.40%11.34%11.74%11.80%15.57%+418 bps
Liquidity & Funding
Loans / Deposits74.37%75.36%79.28%77.97%75.01%+64 bps
Liquid Assets / Assets8.81%7.52%5.21%7.61%10.53%+171 bps
CRE / Total Capitaln/an/an/an/an/an/an/a