Bank Reale in Pasco, Washington (WA)



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Bank Reale
GeneralFDIC Certificate #: 58183
Status: Active
Federal Reserve ID: 3471094
Date Established: September 18, 2006
WWW: http://www.bankreale.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 441416
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: September 18, 2006
Last Structure Change Effective Date: Febuary 23, 2010
Last Structure Change Process Date: Febuary 23, 2010
Last Data Update: Febuary 23, 2010
Data Source Date: April 05, 2012
LocationAddress: 5205 Road 68, Pasco, WA 99301
County: Franklin
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
Metropolitan Statistical Area (MSA): Richland-Kennewick-Pasco, WA (#6740)
Core Based Statistical Area (CBSA): Kennewick-Pasco-Richland, WA (#28420)
CBSA Metro Statistical Area: Kennewick-Pasco-Richland, WA (#28420)
Financial SummaryTotal assets: $47.1 mil
Equity capital: $4.0 mil
Deposits held in domestic offices: $42.9 mil
Return on assets (ROA): 0.12% ($0.1 mil)
Quarterly return on assets: 1.20% ($0.6 mil)
Return on Equity (ROE): 1.42% ($0.1 mil)
Quarterly return on equity: 14.82% ($0.6 mil)
Net income: $0.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.12% ($56.5 mil)
Quarterly Pretax return on assets: 1.20% ($565.1 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)
Total employees (full-time equivalent)14
Total assets$47,089
Cash and due from depository institutions$3,326
Interest-bearing balances$1,952
Securities$0
Federal funds sold & reverse repurchase agreements$4,735
Net loans & leases$36,887
Loan loss allowance $395
Trading account assets$0
Bank premises and fixed assets$1,218
Other real estate owned$401
Goodwill and other intangibles$0
All other assets$522
Life insurance assets$47,089
Total liabilities and capital$43,132
Total liabilities$42,947
Total deposits$33,070
Interest-bearing deposits$42,947
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $185
All other liabilities $3,957
Total equity capital$3,957
Total bank equity capital$3,957
Perpetual preferred stock$0
Common stock$7,337
Surplus$940
Undivided profits $-4,320
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $70
Earning assets $0
Long-term assets (5+ years) $228
Average Assets, year-to-date $43,574
Average Assets, quarterly $14,148
Volatile liabilities $44,962
Insider loans $47,492
FHLB advances $40,404
Loans and leases held for sale $48,881
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,957
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $11,119
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,332
Total interest expense $555
Net interest income $1,777
Provision for loan and lease losses $71
Total noninterest income $79
Fiduciary activities $0
Service charges on deposit accounts $15
Trading account gains & fees $0
Additional noninterest income $64
Total noninterest expense $1,732
Salaries and employee benefits $528
Premises and equipment expense $236
Additional noninterest expense $968
Pre-tax net operating income $53
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $53
Extraordinary gains - net $0
Net income attributable to bank $53
Net charge-offs $0
Cash dividends $53
Sale, conversion, retirement of capital stock, net $245
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.56%
Cost of funding earning assets 1.32%
Net interest margin 4.23%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 4.13%
Net operating income to assets 0.12%
Return on assets (ROA) 0.12%
Pretax return on assets 0.12%
Return on equity (ROE) 1.42%
Retained earnings to average equity (YTD only) 1.42%
Net charge-offs to loans 0.70%
Credit loss provision to net charge-offs 28.98%
Efficiency ratio0.51%
Assets per employee$93,319
Cash dividends to net income (YTD only)3.36%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.06%
Noncurrent assets plus other real estate owned to assets 564.29%
Noncurrent loans to loans 1.00%
Net loans and leases to deposits0.19%
Net loans and leases to core deposits 85.89%
Equity capital to assets 89.10%
Core capital (leverage) ratio 8.40%
Tier 1 risk-based capital ratio 8.10%
Total risk-based capital ratio 9.79%
Memoranda
Average assets$11
Average earning assets$44,962
Average equity $3,735
Average loans $41,971
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2 Washington Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0441416Bank Reale5205 Road 68, Pasco, WA 99301September 18, 2006Full Service Brick and Mortar
1456247Courier Branch5205 Road 68, Pasco, WA 99301October 13, 2006Limited Service Mobile
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