Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 19.1 and a capital leverage ratio of 11.0. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.1 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10). A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Cash (31%), comm re (24%), securities (16%), comm loans (14%), home mtgs (4%), home eq lns (2%), consumer loans (0%), other (8%)
States with Branches:
OR
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
PTB Corporation
Investment Rating
--
Address
109 Commercial Street, NE
Salem, OR 97301
Salem, OR 97301
Phone Number
(503) 363-3136
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.
