PackageTrendsPeer
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Oregon State Bank

Corvallis, OR · Cert 34972

FDIC

Q3 2001

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: 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.

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

Oregon State Bank

Corvallis, OR · Cert 34972

FDIC

Q3 2001

$29.3MAssets
$24.6MLoans
$24.1MDeposits
$3.6MEquity
Loan mix
57%RE $8.3M41%C&I $6.0M1%Consumer $0.2MQ4 1999Q3 2001
Deposit mix
90%Interest-bearing $21.6M10%Noninterest $2.5MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of -0.01%, unchanged from a year ago; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.24%.
  • Funding: loans stand at 102.22% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

-0.01%0 bps YoY

Net Interest Margin (YTD, annualized)

3.52%

Efficiency Ratio (YTD, annualized)

91.72%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.81%Q1 ’017.33%Q2 ’017.13%Q3 ’01-7%+4%

Non-interest income vs. expense

5.01%Q1 ’014.58%Q2 ’014.28%Q3 ’01-14%-3%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-3.98%-1.88%-1.29%-0.01%-0.06%-0.20%-0.12%-0.01%0 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.64%3.40%3.52%n/a
Efficiency Ration/an/an/an/an/a102.09%96.62%91.72%n/a
Non-Interest Burdenn/an/an/an/an/a3.74%3.24%3.14%n/a
Growth
Asset Growth (YoY)n/an/a112.59%92.36%85.79%84.11%62.06%46.68%-4,568 bps
Loan Growth (YoY)n/an/a164.04%143.62%122.81%130.04%98.40%78.43%-6,519 bps
Deposit Growth (YoY)n/an/a211%140.56%115.21%102.14%65.54%49.43%-9,113 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.00%0.21%0.24%n/a
Allowance / Loansn/an/an/an/an/a0.59%0.52%0.54%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a18.75%16.63%15.49%n/a
Equity / Assetsn/an/an/an/an/a13.81%13.21%12.44%n/a
Liquidity & Funding
Loans / Deposits85.32%75.20%86.63%85.61%88.34%85.58%103.84%102.22%+1,661 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.02%0.01%0.01%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a