PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Timberline Community Bank

Yreka, CA · Cert 23139

FDIC

Q1 2001

$98.1MAssets
$57.2MLoans
$88.7MDeposits
$8.6MEquity
Loan mix
29%RE $3.5M71%C&I $8.6M0%Consumer $0.0MQ1 2000Q1 2001
Deposit mix
79%Interest-bearing $69.7M21%Noninterest $19.0MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.46%, down 38 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 64.48% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.46%-38 bps YoY

Net Interest Margin (YTD, annualized)

4.23%

Efficiency Ratio (YTD, annualized)

82.50%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.84%0.96%1.09%1.04%0.46%-38 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.23%n/an/a
Efficiency Ration/an/an/an/a82.50%n/an/a
Non-Interest Burdenn/an/an/an/a3.38%n/an/a
Growth
Asset Growth (YoY)2.18%2.19%4.34%1.44%4.42%+224 bps
Loan Growth (YoY)14.49%12.52%1.94%-0.33%-2.82%-1,731 bps
Deposit Growth (YoY)2.27%1.73%5.81%0.79%4.11%+184 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a-0.01%n/an/a
Allowance / Loansn/an/an/an/a0.92%n/an/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/an/a13.32%n/an/a
Equity / Assetsn/an/an/an/a8.73%n/an/a
Liquidity & Funding
Loans / Deposits69.08%71.46%67.80%68.45%64.48%-460 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%1.94%+194 bps
CRE / Total Capitaln/an/an/an/an/an/an/a