Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability.
Asset Mix:
Comm re (37%), securities (16%), comm loans (9%), cash (7%), home mtgs (5%), consumer loans (0%), other (25%)
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
PBCO Financial Corporation
Investment Rating
--
Address
1528 Biddle Road
Medford, OR 97504
Medford, OR 97504
Phone Number
(541) 776-5350
Year Founded
1998
FDIC Number
Website
Largest Affiliates
No affiliate information available.