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Willamette Community Bank

Albany, OR · Cert 57513

FDIC · 3 branches

Q4 2020

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: Q4 2020, the quarter ended December 31, 2020, 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

Willamette Community Bank

Albany, OR · Cert 57513

FDIC · 3 branches

Q4 2020

$218.3MAssets
$143.0MLoans
$196.5MDeposits
$20.6MEquity
Loan mix
64%RE $72.6M36%C&I $41.3M0%Consumer $0.2MQ4 2019Q4 2020
Deposit mix
73%Interest-bearing $143.6M27%Noninterest $52.9MQ4 2019Q4 2020

NIM

4.18%Q4 ’184.49%Q4 ’193.53%Q4 ’20+2%-21%

Non-interest income vs. expense

3.53%Q4 ’183.61%Q4 ’192.86%Q4 ’20+0%-20%

Market Position · Albany-Lebanon, OR · 2020 SOD (annual) · 8.3% share · #7 of 9 inst. · $0.1B of $1.4B

8.3% Linn
0.8% Marion

Executive Summary

  • Earnings: ROA of 0.33%, down 13 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.49% of loans (-68 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.66%, down 339 bps from a year ago.
  • Funding: loans stand at 72.79% of deposits as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

0.33%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-85 bps YoY

Efficiency Ratio (YTD, annualized)

84.49%+137 bps YoY

Tier 1 Leverage Ratio

9.66%-339 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.46%0.25%0.36%0.38%0.33%-13 bps
Return on Equity3.61%1.96%2.95%3.35%3.02%-60 bps
Net Interest Margin4.00%3.87%3.49%3.33%3.15%-85 bps
Efficiency Ratio83.11%90.10%85.51%83.73%84.49%+137 bps
Non-Interest Burden3.28%3.48%2.96%2.68%2.64%-64 bps
Growth
Asset Growth (YoY)1.68%5.55%26.92%35.36%45.01%+4,332 bps
Loan Growth (YoY)16.10%16.59%27.96%20.72%17.56%+146 bps
Deposit Growth (YoY)0.20%4.79%27.56%35.72%51.93%+5,173 bps
Asset Quality
Nonperforming Loans / Loans1.17%1.23%0.77%0.48%0.49%-68 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.24%1.12%1.17%1.20%-7 bps
Allowance Coverage of NPLs1.1x1.0x1.4x2.4x2.4x+1.4x
Capital
Tier 1 Leverage Ratio13.05%12.98%10.99%10.43%9.66%-339 bps
Total Risk-Based Capital14.31%12.98%10.99%10.43%9.66%-466 bps
Equity / Assets13.22%12.82%10.64%9.77%9.44%-378 bps
Liquidity & Funding
Loans / Deposits94.07%93.39%90.28%81.09%72.79%-2,128 bps
Liquid Assets / Assets4.79%7.52%13.36%15.03%19.26%+1,447 bps
CRE / Total Capitaln/an/an/an/an/an/an/a