Canby, OR · Cert 23922
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Canby, OR · Cert 23922
FDIC
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.43% | -3.19% | -2.28% | -1.45% | 6.08% | 6.19% | 6.06% | 5.50% | +695 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 5.35% | 5.09% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 40.22% | 41.59% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | -3.74% | -3.83% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.14% | -3.07% | -3.61% | -4.05% | 5.40% | 15.32% | 23.76% | 11.12% | +1,517 bps | |
| Loan Growth (YoY) | -67.92% | 300% | -95.80% | -7.14% | -29.41% | -85.00% | -50.00% | -92.31% | -8,516 bps | |
| Deposit Growth (YoY) | -19.79% | 120.00% | -91.01% | -90.74% | -71.43% | 3145% | 6438% | 1040% | +113,074 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 425% | 483% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 87.54% | 98.44% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 22.08% | 181.82% | 175.00% | 260% | 54.55% | 0.84% | 1.34% | 1.75% | -25,825 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |