Albany, OR · Cert 32761
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 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.
Albany, OR · Cert 32761
FDIC
Q3 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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 0.95% | 1.02% | 1.02% | 1.19% | 1.03% | 1.19% | 1.26% | +25 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 | 4.81% | 5.05% | 5.07% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 66.49% | 64.35% | 62.81% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.98% | 2.99% | 2.91% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.49% | 21.14% | 20.71% | 17.99% | 10.84% | 14.24% | 3.83% | 2.18% | -1,581 bps | |
| Loan Growth (YoY) | 31.29% | 28.17% | 16.06% | 10.38% | 4.51% | 7.34% | 8.17% | 12.17% | +179 bps | |
| Deposit Growth (YoY) | 24.65% | 18.56% | 25.03% | 18.04% | 13.68% | 17.62% | 2.36% | -1.51% | -1,955 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 | 0.46% | 0.26% | 0.21% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.26% | 1.29% | 1.30% | 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 | 11.24% | 11.49% | 11.88% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 7.96% | 8.54% | 8.87% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.27% | 89.27% | 83.40% | 79.88% | 81.15% | 81.47% | 88.14% | 90.97% | +1,110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 7.84% | 5.31% | 1.75% | +175 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |