PackageTrendsPeer
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Centennial Bank

Portland, OR · Cert 22493

FDIC

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Centennial Bank

Portland, OR · Cert 22493

FDIC

Q3 2002

$866.8MAssets
$639.1MLoans
$748.9MDeposits
$97.1MEquity
Loan mix
14%RE $41.2M83%C&I $237.5M2%Consumer $6.2MQ3 2001Q3 2002
Deposit mix
79%Interest-bearing $590.5M21%Noninterest $158.4MQ3 2001Q3 2002

NIM

8.77%Q1 ’018.88%Q3 ’016.74%Q3 ’02+15%-11%

Non-interest income vs. expense

2.48%Q1 ’013.25%Q3 ’012.96%Q3 ’02+30%-13%

Executive Summary

  • Earnings: ROA of 1.26%, down 40 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.28%.
  • Funding: loans stand at 85.35% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

1.26%-40 bps YoY

Net Interest Margin (YTD, annualized)

5.10%-63 bps YoY

Efficiency Ratio (YTD, annualized)

51.60%+11 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.66%1.74%1.03%1.20%1.26%-40 bps
Return on Equityn/an/a8.84%10.29%10.88%n/a
Net Interest Margin5.73%5.89%5.46%5.25%5.10%-63 bps
Efficiency Ratio51.49%50.24%50.69%51.84%51.60%+11 bps
Non-Interest Burden2.67%2.63%2.52%2.49%2.32%-35 bps
Growth
Asset Growth (YoY)2.09%-3.80%-3.15%-3.90%2.85%+77 bps
Loan Growth (YoY)-3.30%-5.04%-8.12%-6.70%-4.14%-84 bps
Deposit Growth (YoY)6.39%0.09%-2.62%-5.94%2.29%-410 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.32%0.39%0.53%0.65%1.28%+96 bps
Allowance / Loans1.58%1.58%1.95%1.97%1.47%-11 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 Capital12.47%12.66%13.18%13.51%13.00%+53 bps
Equity / Assets11.34%11.68%11.51%11.81%11.21%-13 bps
Liquidity & Funding
Loans / Deposits91.08%95.32%90.23%88.56%85.35%-573 bps
Liquid Assets / Assets0.03%0.03%0.45%0.97%1.60%+157 bps
CRE / Total Capitaln/an/an/an/an/an/an/a