Klamath First Federal Savings and Loan Association in Klamath Falls, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 02, 2004

  • Klamath First Federal Savings and Loan Association in Klamath Falls, Oregon (OR)
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Klamath First Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29339
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Savings Bank (#32158)
    Federal Reserve ID: 70179
    Date Established: January 01, 1934
    WWW: http://www.klamathfirst.com
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3307
    FDIC's unique #: 42173
    Numeric code: 37
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 04, 1935
    Last Structure Change Effective Date: January 02, 2004
    Last Structure Change Process Date: May 06, 2004
    Last Data Update: May 06, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 540 Main Street, Klamath Falls, OR 97601
    County: Klamath
    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): Klamath Falls, OR (#28900)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $1,485.3 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, 2003)

  • Dollar figures in thousands
  • 416Total employees (full-time equivalent)
  • $1,485,270Total assets
  • $38,110Cash and due from depository institutions
  • $831Interest-bearing balances
  • $767,707Securities
  • $1,250Federal funds sold & reverse repurchase agreements
  • $572,458Net loans & leases
  • $6,751Loan loss allowance
  • $0Trading account assets
  • $22,048Bank premises and fixed assets
  • $608Other real estate owned
  • $35,437Goodwill and other intangibles
  • $0Life insurance assets
  • $47,652All other assets
  • $1,485,270Total liabilities and capital
  • $1,352,547Total liabilities
  • $987,444Total deposits
  • $943,703Interest-bearing deposits
  • $987,444Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $342,500Other borrowed funds
  • $0Subordinated debt
  • $22,603All other liabilities
  • $132,723Total equity capital
  • $132,723Total bank equity capital
  • $132,723Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $86,540Undivided profits
  • Memoranda
  • $46,182Noncurrent loans and leases
  • $118,638Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,001Earning assets
  • $0Long-term assets (5+ years)
  • $5,217Average Assets, year-to-date
  • $1,342,246Average Assets, quarterly
  • $0Volatile liabilities
  • $1,482,919Insider loans
  • $1,507,488FHLB advances
  • $625,709Loans and leases held for sale
  • $8,029Unused loan commitments
  • $342,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $118,638Total unused commitments
  • $754Restructured Loans and leases
  • $6,751Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $68,843Total interest income
  • $27,322Total interest expense
  • $41,521Net interest income
  • $0Provision for loan and lease losses
  • $16,746Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16,746Additional noninterest income
  • $61,556Total noninterest expense
  • $32,977Salaries and employee benefits
  • $7,453Premises and equipment expense
  • $21,126Additional noninterest expense
  • -$3,289Pre-tax net operating income
  • $2,278Securities gains (losses)
  • -$135Applicable income taxes
  • -$876Income before extraordinary items
  • $0Extraordinary gains - net
  • -$876Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $490Sale, conversion, retirement of capital stock, net
  • $5,000Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 2.04%Cost of funding earning assets
  • 3.10%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 4.60%Noninterest expense to earning assets
  • -0.19%Net operating income to assets
  • -0.06%Return on assets (ROA)
  • -0.07%Pretax return on assets
  • -0.64%Return on equity (ROE)
  • -4.28%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -6.71%Efficiency ratio
  • 99,470Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -570.78%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 674.43%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 57.97%Net loans and leases to core deposits
  • 81.29%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 6.79%Tier 1 risk-based capital ratio
  • 11.43%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,482,919Average earning assets
  • $137,390Average equity
  • $1,337,463Average loans

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