Bank Reale in Pasco, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank Reale - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $47,089Total assets
  • $3,326Cash and due from depository institutions
  • $1,952Interest-bearing balances
  • $0Securities
  • $4,735Federal funds sold & reverse repurchase agreements
  • $36,887Net loans & leases
  • $395Loan loss allowance
  • $0Trading account assets
  • $1,218Bank premises and fixed assets
  • $401Other real estate owned
  • $0Goodwill and other intangibles
  • $47,089Life insurance assets
  • $522All other assets
  • $43,132Total liabilities and capital
  • $42,947Total liabilities
  • $33,070Total deposits
  • $42,947Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $185Subordinated debt
  • $3,957All other liabilities
  • $3,957Total equity capital
  • $3,957Total bank equity capital
  • $0Perpetual preferred stock
  • $7,337Common stock
  • $940Surplus
  • $-4,320Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $70Income earned, not collected on loans
  • $0Earning assets
  • $228Long-term assets (5+ years)
  • $43,574Average Assets, year-to-date
  • $14,148Average Assets, quarterly
  • $44,962Volatile liabilities
  • $47,492Insider loans
  • $40,404FHLB advances
  • $48,881Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,957Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,119Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,332Total interest income
  • $555Total interest expense
  • $1,777Net interest income
  • $71Provision for loan and lease losses
  • $79Total noninterest income
  • $0Fiduciary activities
  • $15Service charges on deposit accounts
  • $0Trading account gains & fees
  • $64Additional noninterest income
  • $1,732Total noninterest expense
  • $528Salaries and employee benefits
  • $236Premises and equipment expense
  • $968Additional noninterest expense
  • $53Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $53Income before extraordinary items
  • $0Extraordinary gains - net
  • $53Net income attributable to bank
  • $0Net charge-offs
  • $53Cash dividends
  • $245Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.56%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 4.23%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 4.13%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 1.42%Return on equity (ROE)
  • 1.42%Retained earnings to average equity (YTD only)
  • 0.70%Net charge-offs to loans
  • 28.98%Credit loss provision to net charge-offs
  • 0.51%Efficiency ratio
  • 93,319Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 564.29%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 85.89%Net loans and leases to core deposits
  • 89.10%Equity capital to assets
  • 8.40%Core capital (leverage) ratio
  • 8.10%Tier 1 risk-based capital ratio
  • 9.79%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $44,962Average earning assets
  • $3,735Average equity
  • $41,971Average loans

List of branches

  • 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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