PackageTrendsPeer
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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

7.71%Q4 ’074.79%Q4 ’084.16%Q4 ’09-54%+4%

Non-interest income vs. expense

3.31%Q4 ’075.88%Q4 ’084.41%Q4 ’09+145%-39%

Executive Summary

  • Earnings: ROA of 0.74%, up 513 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.29%.
  • Funding: loans stand at 74.69% of deposits as of Q4 2009.

Financial Results

Return on Assets (quarter, annualized)

0.74%+513 bps YoY

Net Interest Margin (quarter, annualized)

2.52%+11 bps YoY

Efficiency Ratio (quarter, annualized)

116.18%-7,098 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets-4.39%-2.53%-8.68%-8.23%0.74%+513 bps
Return on Equity-62.41%-38.73%-164.08%-262%32.87%+9,528 bps
Net Interest Margin2.41%2.51%2.51%2.54%2.52%+11 bps
Efficiency Ratio187.16%119.31%117.30%121.18%116.18%-7,098 bps
Non-Interest Burden5.15%3.16%3.09%3.14%3.13%-202 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 / Loans2.52%5.25%7.45%12.72%4.29%+177 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