Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 14.4. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 2.3 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (7.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (37%), cash (17%), comm loans (14%), securities (9%), home mtgs (6%), home eq lns (4%), consumer loans (0%), other (13%)
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.