Bank of Commerce in Milton Freewater, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2000

  • Bank of Commerce in Milton Freewater, Oregon (OR)
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Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 16259
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Baker-Boyer National Bank (#2987)
    Federal Reserve ID: 957560
    Date Established: May 05, 1945
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 15712
    FDIC's unique #: 10451
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 05, 1945
    Last Structure Change Effective Date: April 01, 2000
    Last Structure Change Process Date: August 04, 2000
    Last Data Update: August 04, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 13 N.E. 5th Street, Milton Freewater, OR 97862
    County: Umatilla
    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
    Core Based Statistical Area (CBSA): Pendleton-Hermiston, OR (#37820)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $62.8 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 28Total employees (full-time equivalent)
  • $63,641Total assets
  • $2,218Cash and due from depository institutions
  • $10Interest-bearing balances
  • $16,494Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $43,347Net loans & leases
  • $523Loan loss allowance
  • $0Trading account assets
  • $635Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $947All other assets
  • $63,641Total liabilities and capital
  • $57,286Total liabilities
  • $54,029Total deposits
  • $46,415Interest-bearing deposits
  • $54,029Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,529Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $225Other borrowed funds
  • $0Subordinated debt
  • $503All other liabilities
  • $6,355Total equity capital
  • $6,355Total bank equity capital
  • $6,355Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $4,700Undivided profits
  • Memoranda
  • $1,355Noncurrent loans and leases
  • $8,340Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2Earning assets
  • $0Long-term assets (5+ years)
  • $686Average Assets, year-to-date
  • $59,851Average Assets, quarterly
  • $4,600Volatile liabilities
  • $64,282Insider loans
  • $64,684FHLB advances
  • $6,378Loans and leases held for sale
  • $30Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,340Total unused commitments
  • $0Restructured Loans and leases
  • $523Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $5,072Total interest income
  • $1,936Total interest expense
  • $3,136Net interest income
  • $55Provision for loan and lease losses
  • $378Total noninterest income
  • $0Fiduciary activities
  • $261Service charges on deposit accounts
  • $0Trading account gains & fees
  • $117Additional noninterest income
  • $1,910Total noninterest expense
  • $1,247Salaries and employee benefits
  • $125Premises and equipment expense
  • $538Additional noninterest expense
  • $1,549Pre-tax net operating income
  • $0Securities gains (losses)
  • $400Applicable income taxes
  • $1,149Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,149Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$50Sale, conversion, retirement of capital stock, net
  • $1,214Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.36%Yield on earning assets
  • 3.19%Cost of funding earning assets
  • 5.17%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 1.79%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 2.41%Pretax return on assets
  • 17.77%Return on equity (ROE)
  • -1.01%Retained earnings to average equity (YTD only)
  • -0.12%Net charge-offs to loans
  • -114.58%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,354Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 105.66%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 26150.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 80.23%Net loans and leases to core deposits
  • 86.00%Equity capital to assets
  • 9.99%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 13.06%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $64,282Average earning assets
  • $6,465Average equity
  • $60,644Average loans

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