Bank of the Cascades in Bend, Oregon (OR), ID
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of the Cascades in Bend, Oregon (OR), ID
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Bank of the Cascades - Overview

  • General
  • FDIC Certificate #: 22407
    Status: Active
    Federal Reserve ID: 17464
    Bank Holding Company (Regulatory Top Holder): Cascade Bancorp (RSSDID: 1848003, Location: Bend, OR)
    Date Established: Febuary 01, 1977
    WWW: http://www.botc.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 35 (Domestic: 35, Interstate: Yes)
    OTS Docket #: 9626
    FDIC's unique #: 15608
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 01, 1977
    Last Structure Change Effective Date: January 17, 2007
    Last Structure Change Process Date: January 18, 2007
    Last Data Update: January 18, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 Nw Wall Street, Bend, OR 97701
    County: Deschutes
    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
    Combined Statistical Area (CSA): Bend-Prineville, OR (#140)
    Core Based Statistical Area (CBSA): Bend, OR (#13460)
    CBSA Metro Statistical Area: Bend, OR (#13460)
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $1,334.8 mil
    Equity capital: $163.8 mil
    Deposits held in domestic offices: $1,087.3 mil
    Return on assets (ROA): -4.54% (-$60.6 mil)
    Quarterly return on assets: -4.74% (-$63.3 mil)
    Return on Equity (ROE): -39.01% (-$64.0 mil)
    Quarterly return on equity: -37.91% (-$62.2 mil)
    Net income: -$69.5 mil
    Quarterly Net income: -$16.3 mil
    Pretax return on assets: -5.25% (-$70,074.6 mil)
    Quarterly Pretax return on assets: -4.45% (-$59,396.6 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
  • 436Total employees (full-time equivalent)
  • $1,334,755Total assets
  • $128,416Cash and due from depository institutions
  • $94,759Interest-bearing balances
  • $210,839Securities
  • $23Federal funds sold & reverse repurchase agreements
  • $863,360Net loans & leases
  • $34,205Loan loss allowance
  • $0Trading account assets
  • $34,181Bank premises and fixed assets
  • $21,963Other real estate owned
  • $0Goodwill and other intangibles
  • $1,334,755Life insurance assets
  • $75,973All other assets
  • $1,171,001Total liabilities and capital
  • $1,087,325Total liabilities
  • $928,169Total deposits
  • $1,087,325Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $60,000Trading liabilities
  • $0Other borrowed funds
  • $23,676Subordinated debt
  • $163,754All other liabilities
  • $163,754Total equity capital
  • $163,754Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $226,740Surplus
  • $-63,736Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $506Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,135Income earned, not collected on loans
  • $1,629Earning assets
  • $3,416Long-term assets (5+ years)
  • $1,168,981Average Assets, year-to-date
  • $384,791Average Assets, quarterly
  • $1,530,618Volatile liabilities
  • $1,374,669Insider loans
  • $1,029,189FHLB advances
  • $1,402,679Loans and leases held for sale
  • $34,506Unused loan commitments
  • $7,919Tier 1 (core) risk-based capital
  • $161,045Tier 2 risk-based capital
  • $26,587Total risk weighted assets
  • $0Total unused commitments
  • $171,528Restructured Loans and leases
  • $511Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $67,098Total interest income
  • $11,546Total interest expense
  • $55,552Net interest income
  • $65,300Provision for loan and lease losses
  • -$4,647Total noninterest income
  • $597Fiduciary activities
  • $4,493Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$9,737Additional noninterest income
  • $65,919Total noninterest expense
  • $30,598Salaries and employee benefits
  • $6,292Premises and equipment expense
  • $29,029Additional noninterest expense
  • -$80,314Pre-tax net operating income
  • $0Securities gains (losses)
  • -$10,844Applicable income taxes
  • -$69,470Income before extraordinary items
  • $0Extraordinary gains - net
  • -$69,470Net income attributable to bank
  • $0Net charge-offs
  • -$69,470Cash dividends
  • $77,762Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.10%Net interest margin
  • -0.34%Noninterest income to earning assets
  • 4.86%Noninterest expense to earning assets
  • -4.54%Net operating income to assets
  • -4.54%Return on assets (ROA)
  • -5.25%Pretax return on assets
  • -39.01%Return on equity (ROE)
  • -39.01%Retained earnings to average equity (YTD only)
  • 7.27%Net charge-offs to loans
  • 83.97%Credit loss provision to net charge-offs
  • -0.19%Efficiency ratio
  • 126,595Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.81%Loss allowance to noncurrent loans
  • 374.44%Noncurrent assets plus other real estate owned to assets
  • 2.33%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 79.40%Net loans and leases to core deposits
  • 82.23%Equity capital to assets
  • 12.27%Core capital (leverage) ratio
  • 11.48%Tier 1 risk-based capital ratio
  • 15.65%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,530,618Average earning assets
  • $178,070Average equity
  • $1,356,165Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $55,502Managed Assets
  • 1Number of Accounts
  • $54,790Personal trust and agency accounts
  • $30,070Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,157Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $22,563Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 165Number of Accounts
  • $0Personal trust and agency accounts
  • $2,157Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $712Other retirement accounts
  • $712Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 13 Idaho Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    30249412Nampa Branch112 2nd Street South, Nampa, ID 83651March 05, 1995Full Service Brick and Mortar
    31249413Administrative Office Branch121 North 9th St, Suite 101, Boise, ID 83702June 30, 1996Limited Service Administrative
    32249415Garden City Branch4128 Adams Street, Garden City, ID 83714September 08, 1998Full Service Brick and Mortar
    33249416Caldwell Branch1110 Blaine, Caldwell, ID 83605September 08, 1998Full Service Brick and Mortar
    34249417Overland Park Branch6981 Overland Road, Boise, ID 83709June 07, 1999Full Service Brick and Mortar
    35358445Fruitland Branch1850 N. Whitley Drive, Fruitland, ID 83619June 01, 2000Full Service Brick and Mortar
    36419582South Nampa Branch1513 12th Ave. Rd., Nampa, ID 83686November 04, 2002Full Service Brick and Mortar
    37433278El Dorado Branch3135 East Overland Road, Meridian, ID 83642December 06, 2004Full Service Brick and Mortar
    38433454Kuna Branch840 E. Avalon Street, Kuna, ID 83634November 29, 2004Full Service Brick and Mortar
    39440497Meridian Branch30 E Broadway Avenue, Meridian, ID 83642May 23, 2005Full Service Brick and Mortar
    41454708Vista Branch801 South Vista Avenue, Boise, ID 83705August 14, 2006Full Service Brick and Mortar
    42465582Boise - Plaza 121 Branch121 N 9th Street, Suite 100, Boise, ID 83702June 30, 2007Full Service Brick and Mortar
    44470826Eagle Branch1101 E. Winding Creek Drive, Eagle, ID 83616January 23, 2008Full Service Brick and Mortar
  • 22 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015608Bank Of The Cascades1100 Nw Wall Street, Bend, OR 97701Febuary 01, 1977Full Service Brick and Mortar
    1254527South Country Branch61250 S Highway 97, Bend, OR 97702March 26, 1979Full Service Brick and Mortar
    2254528Sunriver Branch57150 Beaver Drive, Sunriver, OR 97707April 21, 1980Full Service Brick and Mortar
    3220247Sisters Branch272 E Main Street, Sisters, OR 97759March 01, 1974Full Service Brick and Mortar
    5254530South Redmond Branch2542 South Highway 97, Redmond, OR 97756June 01, 1992Full Service Brick and Mortar
    6273648Prineville Branch103 Nw Third Street, Prineville, OR 97754November 03, 1934Full Service Brick and Mortar
    9254533Redmond Branch154 Southwest 6th Street, Redmond, OR 97756March 08, 1999Full Service Brick and Mortar
    11357614Keizer Branch5120 River Road North, Keizer, OR 97303June 21, 2000Full Service Brick and Mortar
    13364453South Salem Branch3999 Commercial St. Se, Salem, OR 97302August 10, 2001Full Service Brick and Mortar
    14423074Medford Branch1220 Corona Avenue, Suite 101, Medford, OR 97504July 17, 2003Full Service Brick and Mortar
    16423329Portland Business And Professional B1000 Pioneer Tower, 888 Sw Fifth Ave, Portland, OR 97204November 24, 2003Full Service Brick and Mortar
    17424695Medford Courier Service Branch1220 Corona Avenue, Suite 101, Medford, OR 97504July 17, 2003Limited Service Messenger
    18425204Old Mill Branch233 Sw Wilson Ave, Suite 101, Bend, OR 97702Febuary 06, 2004Full Service Brick and Mortar
    1956274Grants Pass Branch1304 N.W. 6th Street, Grants Pass, OR 97526Febuary 14, 1996Full Service Brick and Mortar
    22430074South Grants Pass265 Union Avenue, Grants Pass, OR 97527July 12, 2004Full Service Brick and Mortar
    23431449West Bend Branch320 Sw Century Drive, Bend, OR 97702June 21, 2004Full Service Brick and Mortar
    24431450Forum Branch2630 Ne Hwy 20, Bend, OR 97701June 14, 2004Full Service Brick and Mortar
    25431451Third & Revere Branch1700 Ne Third Street, Bend, OR 97701June 30, 2004Full Service Brick and Mortar
    27446296Grants Pass Courier1304 Nw 6th Street, Grants Pass, OR 97526January 05, 2006Limited Service Messenger
    40453814Crater Lake Highway Branch3100 Crater Lake Hwy, Medford, OR 97504July 20, 2005Full Service Brick and Mortar
    43467440Barnett Road Branch2646 Barnett Road, Medford, OR 97504August 13, 2007Full Service Brick and Mortar
    45510952Salem Branch520 Hawthorne Avenue Se, Salem, OR 97301July 01, 2009Full Service Brick and Mortar

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