PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Linn-Benton Bank

Albany, OR · Cert 32761

FDIC

Q3 2001

$115.3MAssets
$89.8MLoans
$98.7MDeposits
$10.2MEquity
Loan mix
60%RE $19.7M36%C&I $11.7M4%Consumer $1.3MQ3 2000Q3 2001
Deposit mix
79%Interest-bearing $77.7M21%Noninterest $21.1MQ3 2000Q3 2001

NIM

7.85%Q1 ’017.81%Q2 ’017.65%Q3 ’01+5%+1%

Non-interest income vs. expense

3.63%Q1 ’013.71%Q2 ’013.65%Q3 ’01+0%-3%

Executive Summary

  • Earnings: ROA of 1.26%, up 25 bps year over year; NIM at 5.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Funding: loans stand at 90.97% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.26%+25 bps YoY

Net Interest Margin (YTD, annualized)

5.07%

Efficiency Ratio (YTD, annualized)

62.81%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.02%1.19%1.03%1.19%1.26%+25 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.81%5.05%5.07%n/a
Efficiency Ration/an/a66.49%64.35%62.81%n/a
Non-Interest Burdenn/an/a2.98%2.99%2.91%n/a
Growth
Asset Growth (YoY)17.99%10.84%14.24%3.83%2.18%-1,581 bps
Loan Growth (YoY)10.38%4.51%7.34%8.17%12.17%+179 bps
Deposit Growth (YoY)18.04%13.68%17.62%2.36%-1.51%-1,955 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.46%0.26%0.21%n/a
Allowance / Loansn/an/a1.26%1.29%1.30%n/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/a11.24%11.49%11.88%n/a
Equity / Assetsn/an/a7.96%8.54%8.87%n/a
Liquidity & Funding
Loans / Deposits79.88%81.15%81.47%88.14%90.97%+1,110 bps
Liquid Assets / Assets0.00%0.00%7.84%5.31%1.75%+175 bps
CRE / Total Capitaln/an/an/an/an/an/an/a