Peer Analysis

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Performance Ratios (%) PFLC Peer Median Peer Average
ROAA 1.25 0.97 1.02
ROAE 12.63 7.82 8.58
Net Interest Margin 4.46 4.29 4.27
Efficiency Ratio 71.07 64.37 66.20
Loans / Deposits 89.73 83.72 88.32
Asset Quality Ratios (%)
NPAs / Assets 0.11 0.67 0.98
NCOs / Avg Loans 0.01 0.03 0.05
Reserves / Loans 1.28 1.10 1.15
Reserves / NPAs 867.59 137.58 110.46
Capital Ratios (%)
Tier 1 Capital 12.17 17.26 16.37
Tangible Equity / Tangible Assets 8.83 10.73 11.07
Total Equity / Total Assets 10.19 10.99 11.80
Market Ratios
Price / Earnings (x) 10.69 15.23 15.23
Price / Book (%) 129.48 140.88 140.88
Dividend Yield (%) 2.65 0.00 0.79
Data for trailing four quarters

Pacific Financial Corporation's peer group consists of the following: Anchor Bancorp (ANCB), Community Financial Group, Inc. (CFGW), Heritage Financial Corporation (HFWA), Intermountain Community Bancorp (IMCB), Northwest Bancorporation, Inc. (NBCT), Timberland Bancorp, Inc. (TSBK), Washington Banking Company (WBCO)

Pacific Financial Corporation's financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Northwest Bancorporation, Inc.'s financial data is as of 6/30/2018.
Washington Banking Company's financial data is as of 3/31/2014.
Intermountain Community Bancorp's financial data is as of 6/30/2014.
Anchor Bancorp's financial data is as of 9/30/2018.