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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank Reale.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents