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Columbia Community Bank

Hillsboro, OR · Cert 35013

FDIC · 6 branches

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

Columbia Community Bank

Hillsboro, OR · Cert 35013

FDIC · 6 branches

Q2 2018

$381.3MAssets
$334.4MLoans
$319.6MDeposits
$40.1MEquity
Loan mix
68%RE $175.9M32%C&I $83.3M0%Consumer $1.1MQ2 2017Q2 2018
Deposit mix
68%Interest-bearing $217.2M32%Noninterest $102.4MQ2 2017Q2 2018

NIM

4.52%Q2 ’164.52%Q2 ’174.91%Q2 ’18+1%+10%

Non-interest income vs. expense

2.80%Q2 ’162.61%Q2 ’173.10%Q2 ’18+10%+0%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2018 SOD (annual) · 0.6% share · #14 of 35 inst. · $0.3B of $51.6B

3.2% Washington
1.9% Yamhill
0.0% Multnomah

Executive Summary

  • Earnings: ROA of 1.05%, down 20 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.05% of loans (-18 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.15%, down 170 bps from a year ago.
  • Funding: loans stand at 104.66% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

1.05%-20 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+42 bps YoY

Efficiency Ratio (YTD, annualized)

64.62%-236 bps YoY

Tier 1 Leverage Ratio

10.15%-170 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.24%1.21%0.91%1.38%1.05%-20 bps
Return on Equity10.76%10.36%7.78%11.57%9.13%-162 bps
Net Interest Margin4.07%4.11%4.11%4.42%4.49%+42 bps
Efficiency Ratio66.98%63.99%62.85%60.52%64.62%-236 bps
Non-Interest Burden2.78%2.66%2.58%2.59%2.79%+1 bps
Growth
Asset Growth (YoY)9.49%4.48%2.60%4.59%-3.19%-1,269 bps
Loan Growth (YoY)4.47%7.55%8.19%5.02%2.22%-225 bps
Deposit Growth (YoY)10.23%4.62%4.05%4.77%0.00%-1,024 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.00%0.00%0.05%0.05%-18 bps
Net Charge-Offs / Loans-0.69%-0.46%-0.33%0.08%0.03%+71 bps
Allowance / Loans1.29%1.27%1.24%1.24%1.26%-3 bps
Allowance Coverage of NPLs5.5xn/an/a24.4x24.5x+19.0x
Capital
Tier 1 Leverage Ratio11.85%12.07%11.85%12.11%10.15%-170 bps
Total Risk-Based Capital13.31%13.27%13.00%13.42%11.33%-198 bps
Equity / Assets11.79%12.15%11.86%12.00%10.51%-128 bps
Liquidity & Funding
Loans / Deposits102.38%105.44%103.78%103.48%104.66%+228 bps
Liquid Assets / Assets4.39%2.18%2.61%4.51%5.22%+83 bps
CRE / Total Capitaln/an/an/an/an/an/an/a