Silver Falls Bank Financial Statements & Health Reports

Acquired Feb 2009

Vitals

ROAA

ROAE

Efficiency Ratio

83.726

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Silver Falls Bank	All Insured Commercial Banks in Oregon
Balance Sheet $(000)
Total Assets	134,206	426,269
Total Net Loans	106,247	346,707
Total Deposits	115,976	342,867
Total Equity	2,885	43,289
Profitability
Net Income	—	4,707
Return on Average Assets	—	.999
Return on Average Equity	—	8.25
Net Interest Margin	3.783	4.4
Efficiency Ratio	83.726	90.168
Noninterest Income/Revenue	4.414	11.362
Balance Sheet Ratios
Loan-to-Deposit	91.611	98.496
Securities/Assets		.183
Total Equity/Total Assets	.021	.102
Tangible Equity/Tangible Assets	.021	-.297
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	2,885	39,652
Tier 2 Capital	1,415	4,804
Total Capital	4,300	44,417
Total Risk Weighted Assets	111,028	389,206
Leverage Ratio	2.05	11.383
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	2.6	12.546
Total Capital Ratio	3.87	13.713

Silver Falls Bank was acquired by Citizens Bank 15 years

View Profile Feb 21 2009

Silver Falls Bank was established 24 years ago and is currently headquartered in Silverton, OR.

Apr 24 2000

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Citizens Bank	Buyer	703,240		Failure	2/21/2009

Relationships	Role	Relationship Start	Relationship End

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