Albany, OR · Cert 57513
FDIC · 3 branches
Q4 2020
Market Position · Albany-Lebanon, OR · 2020 SOD (annual) · 8.3% share · #7 of 9 inst. · $0.1B of $1.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.49% | 0.49% | 0.46% | 0.25% | 0.46% | 0.42% | 0.19% | -26 bps | |
| Return on Equity | 3.35% | 3.78% | 3.79% | 3.51% | 1.96% | 3.94% | 4.13% | 2.02% | -149 bps | |
| Net Interest Margin | 4.03% | 3.99% | 4.08% | 4.05% | 3.87% | 3.73% | 3.45% | 3.37% | -67 bps | |
| Efficiency Ratio | 82.43% | 84.03% | 81.02% | 84.98% | 90.10% | 81.47% | 80.35% | 86.57% | +159 bps | |
| Non-Interest Burden | 3.28% | 3.31% | 3.26% | 3.41% | 3.48% | 3.01% | 2.65% | 2.91% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.53% | 10.66% | 10.37% | 1.68% | 5.55% | 26.92% | 35.36% | 45.01% | +4,332 bps | |
| Loan Growth (YoY) | 14.86% | 12.68% | 19.77% | 16.10% | 16.59% | 27.96% | 20.72% | 17.56% | +146 bps | |
| Deposit Growth (YoY) | 16.07% | 8.46% | 9.60% | 0.20% | 4.79% | 27.56% | 35.72% | 51.93% | +5,173 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.37% | 1.28% | 1.19% | 1.17% | 1.23% | 0.77% | 0.48% | 0.49% | -68 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.24% | 1.24% | 1.27% | 1.24% | 1.12% | 1.17% | 1.20% | -7 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.0x | 1.1x | 1.0x | 1.4x | 2.4x | 2.4x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.87% | 12.97% | 12.94% | 13.05% | 12.98% | 10.99% | 10.43% | 9.66% | -339 bps | |
| Total Risk-Based Capital | 15.30% | 14.46% | 14.59% | 14.31% | 12.98% | 10.99% | 10.43% | 9.66% | -466 bps | |
| Equity / Assets | 12.78% | 12.97% | 12.73% | 13.22% | 12.82% | 10.64% | 9.77% | 9.44% | -378 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.94% | 90.00% | 91.17% | 94.07% | 93.39% | 90.28% | 81.09% | 72.79% | -2,128 bps | |
| Liquid Assets / Assets | 5.89% | 2.98% | 3.01% | 4.79% | 7.52% | 13.36% | 15.03% | 19.26% | +1,447 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |