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Bank of Oswego, The

Lake Oswego, OR · Cert 57877

FDIC · 2 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Bank of Oswego, The

Lake Oswego, OR · Cert 57877

FDIC · 2 branches

Q2 2016

$57.0MAssets
$42.0MLoans
$48.8MDeposits
$7.5MEquity
Loan mix
75%RE $23.9M16%C&I $5.1M8%Consumer $2.7MQ2 2015Q2 2016
Deposit mix
67%Interest-bearing $32.9M33%Noninterest $15.9MQ2 2015Q2 2016

NIM

3.61%Q2 ’143.56%Q2 ’154.21%Q2 ’16+1%+19%

Non-interest income vs. expense

4.43%Q2 ’144.96%Q2 ’157.65%Q2 ’16+13%+56%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2016 SOD (annual) · 0.1% share · #29 of 37 inst. · $0.0B of $46.4B

Executive Summary

  • Earnings: ROA of -2.57%, down 142 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 13.05%, up 183 bps from a year ago.
  • Funding: loans stand at 86.04% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.57%-142 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+66 bps YoY

Efficiency Ratio (YTD, annualized)

171.87%+3,705 bps YoY

Tier 1 Leverage Ratio

13.05%+183 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-1.14%-1.26%-3.16%-2.03%-2.57%-142 bps
Return on Equity-9.48%-9.99%-25.02%-15.71%-19.74%-1,026 bps
Net Interest Margin3.44%3.90%3.72%3.89%4.10%+66 bps
Efficiency Ratio134.82%136.80%150.75%148.50%171.87%+3,705 bps
Non-Interest Burden4.68%5.35%5.76%5.93%7.31%+263 bps
Growth
Asset Growth (YoY)-20.91%-31.84%-29.94%-34.98%-26.74%-583 bps
Loan Growth (YoY)0.00%1.29%2.85%-4.21%-14.06%-1,406 bps
Deposit Growth (YoY)-21.97%-34.79%-30.89%-36.33%-27.29%-532 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.03%0.12%-0.07%-0.05%-15 bps
Allowance / Loans2.84%3.25%3.00%3.18%3.26%+42 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.22%12.53%11.80%12.69%13.05%+183 bps
Total Risk-Based Capital16.80%19.61%18.28%19.11%18.86%+206 bps
Equity / Assets13.43%14.87%12.59%13.24%13.23%-20 bps
Liquidity & Funding
Loans / Deposits72.79%74.55%78.79%81.78%86.04%+1,325 bps
Liquid Assets / Assets6.49%10.26%6.08%7.15%17.24%+1,075 bps
CRE / Total Capitaln/an/an/an/an/an/an/a