Albina Community Bank in Portland, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

Albina Community Bank - Overview

  • General
  • FDIC Certificate #: 34106
    Status: Active
    Federal Reserve ID: 2332666
    Bank Holding Company (Regulatory Top Holder): Albina Community Bancorp (RSSDID: 2332590, Location: Portland, OR)
    Date Established: December 19, 1995
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 14711
    FDIC's unique #: 56247
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 19, 1995
    Last Structure Change Effective Date: April 21, 2011
    Last Structure Change Process Date: April 22, 2011
    Last Data Update: April 22, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2002 N.E. Martin Luther King Jr Boulevard, Portland, OR 97212
    County: Multnomah
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Portland
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Portland-Vancouver, OR-WA (#6440)
    Consolidated Metropolitan Statistical Area (CMSA): Portland-Salem, OR-WA (#79)
    Core Based Statistical Area (CBSA): Portland-Vancouver-Hillsboro, OR-WA (#38900)
    CBSA Metro Statistical Area: Portland-Vancouver-Hillsboro, OR-WA (#38900)
  • Financial Summary
  • Total assets: $129.7 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $120.0 mil
    Return on assets (ROA): 0.58% ($0.8 mil)
    Quarterly return on assets: 0.83% ($1.1 mil)
    Return on Equity (ROE): 14.48% ($0.9 mil)
    Quarterly return on equity: 19.42% ($1.2 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.59% ($765.2 mil)
    Quarterly Pretax return on assets: 0.81% ($1,050.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 37Total employees (full-time equivalent)
  • $129,690Total assets
  • $11,273Cash and due from depository institutions
  • $10,871Interest-bearing balances
  • $19,069Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $90,330Net loans & leases
  • $2,910Loan loss allowance
  • $0Trading account assets
  • $2,551Bank premises and fixed assets
  • $795Other real estate owned
  • $0Goodwill and other intangibles
  • $129,689Life insurance assets
  • $5,672All other assets
  • $123,993Total liabilities and capital
  • $120,020Total liabilities
  • $86,991Total deposits
  • $120,020Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,570Trading liabilities
  • $0Other borrowed funds
  • $1,403Subordinated debt
  • $5,696All other liabilities
  • $5,696Total equity capital
  • $5,696Total bank equity capital
  • $0Perpetual preferred stock
  • $2,900Common stock
  • $10,814Surplus
  • $-8,018Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,606Income earned, not collected on loans
  • $0Earning assets
  • $402Long-term assets (5+ years)
  • $120,270Average Assets, year-to-date
  • $12,686Average Assets, quarterly
  • $134,988Volatile liabilities
  • $131,065Insider loans
  • $95,810FHLB advances
  • $130,049Loans and leases held for sale
  • $2,779Unused loan commitments
  • $2,779Tier 1 (core) risk-based capital
  • $5,111Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,567Restructured Loans and leases
  • $2,440Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,995Total interest income
  • $1,089Total interest expense
  • $5,906Net interest income
  • $650Provision for loan and lease losses
  • $1,835Total noninterest income
  • $0Fiduciary activities
  • $588Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,247Additional noninterest income
  • $6,302Total noninterest expense
  • $2,705Salaries and employee benefits
  • $814Premises and equipment expense
  • $2,783Additional noninterest expense
  • $789Pre-tax net operating income
  • $4Securities gains (losses)
  • $8Applicable income taxes
  • $785Income before extraordinary items
  • $0Extraordinary gains - net
  • $785Net income attributable to bank
  • $0Net charge-offs
  • $785Cash dividends
  • $1,038Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 4.73%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 5.05%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 14.48%Return on equity (ROE)
  • 14.48%Retained earnings to average equity (YTD only)
  • 1.02%Net charge-offs to loans
  • 62.62%Credit loss provision to net charge-offs
  • 1.39%Efficiency ratio
  • 81,411Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.12%Loss allowance to noncurrent loans
  • 63.18%Noncurrent assets plus other real estate owned to assets
  • 4.16%Noncurrent loans to loans
  • 4.94%Net loans and leases to deposits
  • 75.26%Net loans and leases to core deposits
  • 79.77%Equity capital to assets
  • 4.39%Core capital (leverage) ratio
  • 3.93%Tier 1 risk-based capital ratio
  • 5.33%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $134,988Average earning assets
  • $5,421Average equity
  • $124,914Average loans

List of branches

  • 5 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056247Albina Community Bank2002 N.E. Martin Luther King Jr Boulevard, Portland, OR 97212December 19, 1995Full Service Brick and Mortar
    3365281St. John's Branch8040 N. Lombard, Portland, OR 97203January 03, 2002Full Service Brick and Mortar
    4428726Ne Fremont Branch4020 B Ne Fremont Street, Portland, OR 97212June 14, 2004Full Service Brick and Mortar
    5429326Social Impact Banking430 Nw 10th Avenue, Portland, OR 97209June 14, 2004Full Service Brick and Mortar
    6450853Rose City Branch5636 N.E. Sandy Boulevard, Portland, OR 97213May 01, 2006Full Service Brick and Mortar

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