Peer Analysis

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Performance Ratios (%) PFLC Peer Median Peer Average
ROAA 1.05 0.93 0.99
ROAE 10.69 7.67 8.46
Net Interest Margin 4.41 4.25 4.24
Efficiency Ratio 71.01 64.55 66.38
Loans / Deposits 84.90 82.97 89.13
Asset Quality Ratios (%)
NPAs / Assets 0.12 0.67 1.00
NCOs / Avg Loans 0.02 0.04 0.05
Reserves / Loans 1.30 1.18 1.19
Reserves / NPAs 828.79 144.48 112.80
Capital Ratios (%)
Tier 1 Capital 12.40 17.13 16.29
Tangible Equity / Tangible Assets 8.43 10.73 11.02
Total Equity / Total Assets 9.75 11.61 12.12
Market Ratios
Price / Earnings (x) 12.58 17.45 17.45
Price / Book (%) 129.55 155.97 155.97
Dividend Yield (%) 2.68 0.00 0.83
Data for trailing four quarters

Pacific Financial Corporation's peer group consists of the following: Anchor Bancorp (ANCB), 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 9/30/2018.

Peer financial data is as of 9/30/2018 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.