PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oregon Business Bank

Lake Oswego, OR · Cert 35256

FDIC

Q4 2001

$38.8MAssets
$33.6MLoans
$33.2MDeposits
$4.7MEquity
Deposit mix
81%Interest-bearing $26.8M19%Noninterest $6.3MQ4 2000Q4 2001

NIM

8.50%Q1 ’017.31%Q3 ’017.30%Q4 ’01-6%+2%

Non-interest income vs. expense

3.03%Q1 ’012.77%Q3 ’013.12%Q4 ’01-8%+13%

Executive Summary

  • Earnings: ROA of 0.54%, up 49 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 101.27% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.54%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.82%

Efficiency Ratio (YTD, annualized)

78.82%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.06%0.67%0.79%0.76%0.54%+49 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.98%4.23%3.75%3.82%n/a
Efficiency Ration/a72.89%69.55%71.23%78.82%n/a
Non-Interest Burdenn/a2.85%2.89%2.63%2.98%n/a
Growth
Asset Growth (YoY)272%162.32%99.67%106.94%25.21%-24,687 bps
Loan Growth (YoY)382%146.87%119.74%99.72%68.35%-31,348 bps
Deposit Growth (YoY)608%261%153.01%153.16%31.11%-57,718 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.00%0.00%n/a
Allowance / Loansn/a1.57%1.30%1.27%1.37%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/a18.71%15.29%14.47%13.80%n/a
Equity / Assetsn/a14.11%13.60%11.41%12.14%n/a
Liquidity & Funding
Loans / Deposits78.87%86.56%108.39%93.72%101.27%+2,240 bps
Liquid Assets / Assets0.00%3.09%4.41%3.67%3.93%+393 bps
CRE / Total Capitaln/an/an/an/an/an/an/a