PackageTrendsPeer
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Libertybank

Eugene, OR · Cert 31964

FDIC

Q2 2010

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: Q2 2010, the quarter ended June 30, 2010, 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

Libertybank

Eugene, OR · Cert 31964

FDIC

Q2 2010

$714.6MAssets
$575.5MLoans
$692.7MDeposits
$15.8MEquity
Loan mix
72%RE $310.9M28%C&I $122.3M0%Consumer $0.2MQ2 2009Q2 2010
Deposit mix
90%Interest-bearing $625.5M10%Noninterest $67.1MQ2 2009Q2 2010

NIM

7.71%Q2 ’086.54%Q2 ’095.80%Q2 ’10-7%+1%

Non-interest income vs. expense

2.97%Q2 ’083.34%Q2 ’093.77%Q2 ’10+39%+28%

Executive Summary

  • Earnings: ROA of -8.22%, down 431 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.46%.
  • Funding: loans stand at 83.09% of deposits as of Q2 2010.

Financial Results

Return on Assets (YTD, annualized)

-8.22%-431 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+4 bps YoY

Efficiency Ratio (YTD, annualized)

104.07%+2,322 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets-3.91%-4.54%-3.93%-3.36%-8.22%-431 bps
Return on Equity-51.13%-62.56%-56.42%-60.94%-183.31%-13,219 bps
Net Interest Margin4.32%4.29%4.36%4.22%4.36%+4 bps
Efficiency Ratio80.85%82.42%91.48%105.56%104.07%+2,322 bps
Non-Interest Burden3.53%3.57%4.03%4.42%4.50%+98 bps
Growth
Asset Growth (YoY)-7.78%-7.38%-9.97%-14.82%-18.19%-1,042 bps
Loan Growth (YoY)-14.04%-18.54%-21.47%-23.99%-22.58%-853 bps
Deposit Growth (YoY)0.60%0.58%-0.81%-7.24%-11.53%-1,213 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans9.73%9.99%9.91%2.52%6.46%-327 bps
Allowance / Loans2.23%3.43%2.49%3.70%3.21%+98 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 Capital8.87%6.27%6.75%5.46%3.89%-498 bps
Equity / Assets6.71%5.99%5.73%5.27%2.21%-450 bps
Liquidity & Funding
Loans / Deposits94.94%86.50%84.70%85.20%83.09%-1,186 bps
Liquid Assets / Assets0.04%4.85%5.87%5.92%7.09%+706 bps
CRE / Total Capitaln/an/an/an/an/an/an/a