PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

McKenzie State Bank

Springfield, OR · Cert 34740

FDIC

Q3 2001

$31.8MAssets
$20.3MLoans
$27.4MDeposits
$3.9MEquity
Loan mix
28%RE $3.1M65%C&I $7.1M7%Consumer $0.7MQ3 2000Q3 2001
Deposit mix
81%Interest-bearing $22.1M19%Noninterest $5.3MQ3 2000Q3 2001

NIM

7.70%Q1 ’017.72%Q2 ’016.88%Q3 ’01+3%-11%

Non-interest income vs. expense

4.16%Q1 ’014.10%Q2 ’013.57%Q3 ’01-3%-13%

Executive Summary

  • Earnings: ROA of 0.29%, down 18 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.47%.
  • Funding: loans stand at 74.26% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

0.29%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.78%

Efficiency Ratio (YTD, annualized)

82.92%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.47%0.55%0.08%0.25%0.29%-18 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.14%4.26%3.78%n/a
Efficiency Ration/an/a88.60%84.30%82.92%n/a
Non-Interest Burdenn/an/a3.61%3.50%3.05%n/a
Growth
Asset Growth (YoY)56.62%40.17%27.10%36.67%34.17%-2,245 bps
Loan Growth (YoY)63.70%41.33%30.00%34.37%43.32%-2,038 bps
Deposit Growth (YoY)72.29%72.86%57.17%63.20%41.56%-3,072 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.25%0.47%n/a
Allowance / Loansn/an/a1.14%1.04%0.90%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/a19.82%17.78%16.97%n/a
Equity / Assetsn/an/a15.01%13.31%12.27%n/a
Liquidity & Funding
Loans / Deposits73.35%78.79%82.44%79.24%74.26%+91 bps
Liquid Assets / Assets0.00%0.00%0.04%0.01%0.12%+12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a