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Century Bank

Eugene, OR · Cert 57720

FDIC

Q4 2012

$83.3MAssets
$66.8MLoans
$68.8MDeposits
$12.5MEquity
Loan mix
64%RE $30.6M35%C&I $16.9M1%Consumer $0.5MQ4 2011Q4 2012
Deposit mix
75%Interest-bearing $51.8M25%Noninterest $17.0MQ4 2011Q4 2012

NIM

5.43%Q4 ’105.09%Q4 ’115.35%Q4 ’12+1%+13%

Non-interest income vs. expense

3.21%Q4 ’103.44%Q4 ’113.26%Q4 ’12+5%-5%

Executive Summary

  • Earnings: ROA of 1.53%, up 124 bps year over year; NIM at 4.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.98%.
  • Funding: loans stand at 97.09% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

1.53%+124 bps YoY

Net Interest Margin (YTD, annualized)

4.90%+58 bps YoY

Efficiency Ratio (YTD, annualized)

63.37%-1,149 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.28%0.58%1.65%1.73%1.53%+124 bps
Return on Equity2.27%4.35%12.33%12.75%11.00%+872 bps
Net Interest Margin4.32%4.16%4.79%4.87%4.90%+58 bps
Efficiency Ratio74.86%71.94%63.48%59.88%63.37%-1,149 bps
Non-Interest Burden3.16%2.87%2.93%2.81%3.01%-15 bps
Growth
Asset Growth (YoY)-5.88%-7.92%-2.27%-1.40%-1.90%+398 bps
Loan Growth (YoY)-5.82%-3.95%-2.05%2.81%-1.35%+446 bps
Deposit Growth (YoY)-4.76%-7.58%-1.40%-3.74%-1.30%+346 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.36%-0.01%-1.24%-1.22%-0.98%-135 bps
Allowance / Loans2.00%2.09%2.04%2.09%2.25%+25 bps
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 Capital17.56%17.53%17.84%17.50%19.25%+169 bps
Equity / Assets13.14%13.38%13.61%14.29%14.95%+181 bps
Liquidity & Funding
Loans / Deposits97.14%99.46%97.83%103.64%97.09%-5 bps
Liquid Assets / Assets14.21%13.15%14.60%10.39%12.80%-141 bps
CRE / Total Capitaln/an/an/an/an/an/an/a