Bank of Eastern Oregon in Heppner, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Eastern Oregon in Heppner, Oregon (OR)
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Bank of Eastern Oregon - Overview

  • General
  • FDIC Certificate #: 16243
    Status: Active
    Federal Reserve ID: 14865
    Bank Holding Company (Regulatory Top Holder): Beo Bancorp (RSSDID: 2615154, Location: Heppner, OR)
    Date Established: March 03, 1945
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    FDIC's unique #: 10438
    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: March 03, 1945
    Last Structure Change Effective Date: Febuary 16, 2010
    Last Structure Change Process Date: September 16, 2010
    Last Data Update: September 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 279 N Main Street, Heppner, OR 97836
    County: Morrow
    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
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $260.3 mil
    Equity capital: $28.5 mil
    Deposits held in domestic offices: $230.5 mil
    Return on assets (ROA): 0.91% ($2.4 mil)
    Quarterly return on assets: 1.15% ($3.0 mil)
    Return on Equity (ROE): 8.41% ($2.4 mil)
    Quarterly return on equity: 10.47% ($2.9 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.28% ($3,332.5 mil)
    Quarterly Pretax return on assets: 1.62% ($4,217.6 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
  • 100Total employees (full-time equivalent)
  • $260,348Total assets
  • $11,574Cash and due from depository institutions
  • $5,710Interest-bearing balances
  • $27,621Securities
  • $3,030Federal funds sold & reverse repurchase agreements
  • $199,907Net loans & leases
  • $2,591Loan loss allowance
  • $0Trading account assets
  • $6,677Bank premises and fixed assets
  • $1,472Other real estate owned
  • $279Goodwill and other intangibles
  • $260,348Life insurance assets
  • $9,788All other assets
  • $231,874Total liabilities and capital
  • $230,508Total liabilities
  • $175,802Total deposits
  • $230,508Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,366Subordinated debt
  • $28,474All other liabilities
  • $28,474Total equity capital
  • $28,474Total bank equity capital
  • $0Perpetual preferred stock
  • $730Common stock
  • $13,492Surplus
  • $14,252Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,039Income earned, not collected on loans
  • $974Earning assets
  • $2,475Long-term assets (5+ years)
  • $236,268Average Assets, year-to-date
  • $121,027Average Assets, quarterly
  • $253,136Volatile liabilities
  • $256,206Insider loans
  • $207,503FHLB advances
  • $261,220Loans and leases held for sale
  • $4,152Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,771Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,152Total unused commitments
  • $41,125Restructured Loans and leases
  • $1,532Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,614Total interest income
  • $1,061Total interest expense
  • $12,553Net interest income
  • $1,325Provision for loan and lease losses
  • $1,877Total noninterest income
  • $0Fiduciary activities
  • $623Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,254Additional noninterest income
  • $9,884Total noninterest expense
  • $5,669Salaries and employee benefits
  • $1,352Premises and equipment expense
  • $2,863Additional noninterest expense
  • $3,221Pre-tax net operating income
  • $17Securities gains (losses)
  • $935Applicable income taxes
  • $2,303Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,303Net income attributable to bank
  • $0Net charge-offs
  • $2,303Cash dividends
  • $1,710Sale, conversion, retirement of capital stock, net
  • $369Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.93%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 5.47%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 4.30%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 8.41%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 77.49%Credit loss provision to net charge-offs
  • 2.66%Efficiency ratio
  • 67,380Assets per employee
  • 2.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.02%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 85.26%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 1.50%Net loans and leases to deposits
  • 86.72%Net loans and leases to core deposits
  • 91.74%Equity capital to assets
  • 10.94%Core capital (leverage) ratio
  • 10.63%Tier 1 risk-based capital ratio
  • 13.38%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $253,136Average earning assets
  • $27,385Average equity
  • $229,615Average loans

List of branches

  • 12 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010438Bank Of Eastern Oregon279 N Main Street, Heppner, OR 97836March 03, 1945Full Service Brick and Mortar
    1237720Arlington Branch325 On The Mall, Arlington, OR 97812August 10, 1957Full Service Brick and Mortar
    2237721Ione Branch280 West Main Street, Ione, OR 97843June 13, 1959Full Service Brick and Mortar
    3237722Condon Branch326 South Main, Condon, OR 97823May 08, 1995Full Service Brick and Mortar
    4237723Boardman Branch100 City Center Drive, Boardman, OR 97818March 29, 1999Full Service Brick and Mortar
    5237724Irrigon Branch230 South First Street, Irrigon, OR 97844November 16, 1998Full Service Brick and Mortar
    6194865Burns Branch293 North Broadway, Burns, OR 97720July 10, 1964Full Service Brick and Mortar
    8194881Fossil Branch555 First Street, Fossil, OR 97830January 01, 1900Full Service Brick and Mortar
    10194904Moro Branch508 Main Street, Moro, OR 97039May 15, 1937Full Service Brick and Mortar
    11194969John Day Branch200 West Main Street, John Day, OR 97845March 04, 1968Full Service Brick and Mortar
    12194970Prairie City Branch178 N.W. Front Street, Prairie City, OR 97869January 02, 1936Full Service Brick and Mortar
    13499957Enterprise Branch101 Hogan Street, Enterprise, OR 97828October 01, 2008Full Service Brick and Mortar

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