Baker-Boyer National Bank in Walla Walla, Washington (WA), OR
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Baker-Boyer National Bank in Walla Walla, Washington (WA), OR
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Baker-Boyer National Bank - Overview

  • General
  • FDIC Certificate #: 2987
    Status: Active
    Federal Reserve ID: 69678
    Bank Holding Company (Regulatory Top Holder): Baker Boyer Bancorp (RSSDID: 1141870, Location: Walla Walla, WA)
    Date Established: November 10, 1869
    WWW: http://www.bakerboyer.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Domestic: 9, Interstate: Yes)
    OTS Docket #: 13311
    FDIC's unique #: 1891
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Second And Main Streets, Walla Walla, WA 99362
    County: Walla Walla
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Seattle
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Walla Walla, WA (#47460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $502.0 mil
    Equity capital: $41.9 mil
    Deposits held in domestic offices: $437.2 mil
    Return on assets (ROA): 1.25% ($6.3 mil)
    Quarterly return on assets: 1.15% ($5.8 mil)
    Return on Equity (ROE): 14.89% ($6.3 mil)
    Quarterly return on equity: 13.69% ($5.7 mil)
    Net income: $6.0 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.68% ($8,433.9 mil)
    Quarterly Pretax return on assets: 1.53% ($7,680.9 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
  • 170Total employees (full-time equivalent)
  • $502,019Total assets
  • $70,494Cash and due from depository institutions
  • $66,770Interest-bearing balances
  • $110,537Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $297,742Net loans & leases
  • $6,265Loan loss allowance
  • $0Trading account assets
  • $14,613Bank premises and fixed assets
  • $412Other real estate owned
  • $509Goodwill and other intangibles
  • $502,019Life insurance assets
  • $7,712All other assets
  • $460,089Total liabilities and capital
  • $437,158Total liabilities
  • $329,221Total deposits
  • $437,158Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 20870.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,061Subordinated debt
  • $41,930All other liabilities
  • $41,930Total equity capital
  • $41,930Total bank equity capital
  • $0Perpetual preferred stock
  • $4,531Common stock
  • $8,913Surplus
  • $28,486Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,406Income earned, not collected on loans
  • $0Earning assets
  • $2,200Long-term assets (5+ years)
  • $475,049Average Assets, year-to-date
  • $85,605Average Assets, quarterly
  • $483,762Volatile liabilities
  • $495,435Insider loans
  • $337,570FHLB advances
  • $500,981Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $40,850Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $89,506Restructured Loans and leases
  • $5,477Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,118Total interest income
  • $2,028Total interest expense
  • $19,090Net interest income
  • $1,764Provision for loan and lease losses
  • $9,846Total noninterest income
  • $5,614Fiduciary activities
  • $998Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,234Additional noninterest income
  • $19,148Total noninterest expense
  • $12,456Salaries and employee benefits
  • $1,631Premises and equipment expense
  • $5,061Additional noninterest expense
  • $8,024Pre-tax net operating income
  • $105Securities gains (losses)
  • $2,095Applicable income taxes
  • $6,034Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,034Net income attributable to bank
  • $0Net charge-offs
  • $6,034Cash dividends
  • $1,318Sale, conversion, retirement of capital stock, net
  • $3,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.17%Net interest margin
  • 2.15%Noninterest income to earning assets
  • 4.19%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 14.89%Return on equity (ROE)
  • 6.25%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 133.84%Credit loss provision to net charge-offs
  • 7.43%Efficiency ratio
  • 66,174Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.00%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 142.19%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 68.11%Net loans and leases to core deposits
  • 69.45%Equity capital to assets
  • 8.35%Core capital (leverage) ratio
  • 8.15%Tier 1 risk-based capital ratio
  • 12.10%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $483,762Average earning assets
  • $40,526Average equity
  • $457,349Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $703,082Managed Assets
  • 1Number of Accounts
  • $596,858Personal trust and agency accounts
  • $277,432Employee benefit-defined contribution accounts
  • $21,454Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $59,860Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $238,112Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 933Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $106,224Other retirement accounts
  • $2,685Corporate trust and agency accounts
  • $74,258Other fiduciary accounts
  • $7,385Fiduciary accounts held in foreign offices

List of branches

  • 1 Oregon Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    7237747Milton-Freewater Branch320 North Columbia Street, Milton Freewater, OR 97862January 28, 1980Full Service Brick and Mortar
  • 8 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01891Baker-Boyer National BankSecond And Main Streets, Walla Walla, WA 99362November 10, 1869Full Service Brick and Mortar
    1195929Eastgate Branch1931 East Isaacs Avenue, Walla Walla, WA 99362August 28, 1958Full Service Brick and Mortar
    2195930The Plaza Branch1530 Plaza Way, Walla Walla, WA 99362December 15, 1976Full Service Brick and Mortar
    3195931College Place Branch603 South College Avenue, College Place, WA 99324October 11, 1994Full Service Brick and Mortar
    5195933Baker Boyer Bank Kennewick Office1149 N Edison Street, Kennewick, WA 99336September 22, 1999Full Service Brick and Mortar
    9442502Wheatland Village Branch1500 S. Catherine St., Walla Walla, WA 99362December 13, 2004Limited Service Facility
    10491918Yakima-Wealth Mgmnt & Banking Center909 Triple Crown Way, Yakima, WA 98908September 01, 2008Full Service Brick and Mortar
    11505858Walla Walla Valley Mobile Branch7 West Main Street, Walla Walla, WA 99362Febuary 01, 2010Limited Service Mobile

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