PackageTrendsPeer
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Columbia River Bank

The Dalles, OR · Cert 22469

FDIC

Q4 2009

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: Q4 2009, the quarter ended December 31, 2009, 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

Columbia River Bank

The Dalles, OR · Cert 22469

FDIC

Q4 2009

$955.1MAssets
$678.3MLoans
$908.1MDeposits
$23.0MEquity
Loan mix
81%RE $407.3M17%C&I $85.6M2%Consumer $9.0MQ4 2008Q4 2009
Deposit mix
79%Interest-bearing $716.2M21%Noninterest $191.9MQ4 2008Q4 2009

NIM

7.79%Q4 ’075.71%Q4 ’084.64%Q4 ’09-32%-27%

Non-interest income vs. expense

3.40%Q4 ’074.08%Q4 ’084.08%Q4 ’09+37%+4%

Executive Summary

  • Earnings: ROA of -4.74%, down 242 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.33%.
  • Funding: loans stand at 74.69% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-4.74%-242 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-97 bps YoY

Efficiency Ratio (YTD, annualized)

118.35%+2,848 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-2.32%-2.53%-5.51%-6.41%-4.74%-242 bps
Return on Equity-27.37%-38.73%-96.11%-132.36%-107.67%-8,030 bps
Net Interest Margin3.57%2.51%2.53%2.52%2.60%-97 bps
Efficiency Ratio89.86%119.31%118.32%119.17%118.35%+2,848 bps
Non-Interest Burden3.11%3.16%3.15%3.14%3.23%+12 bps
Growth
Asset Growth (YoY)7.59%-1.29%-3.67%-7.98%-14.84%-2,242 bps
Loan Growth (YoY)-1.66%-7.26%-15.15%-20.33%-21.44%-1,978 bps
Deposit Growth (YoY)8.24%3.75%5.63%-0.55%-9.60%-1,784 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.43%5.25%6.47%8.92%8.33%+491 bps
Allowance / Loans2.84%2.78%2.85%2.67%2.55%-28 bps
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 Capital8.75%8.35%6.41%4.05%4.46%-429 bps
Equity / Assets6.57%6.47%4.15%2.13%2.40%-417 bps
Liquidity & Funding
Loans / Deposits85.95%89.15%80.47%72.82%74.69%-1,126 bps
Liquid Assets / Assets2.81%3.99%15.75%21.58%12.08%+927 bps
CRE / Total Capitaln/an/an/an/an/an/an/a