Lewis & Clark Bank in Oregon City, Oregon (OR)
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| Lewis & Clark Bank | |
|---|---|
| General | FDIC Certificate #: 58428 Status: Active Federal Reserve ID: 3489071 Date Established: December 15, 2006 WWW: http://www.lewisandclarkbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 451438 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: December 15, 2006 Last Structure Change Effective Date: December 02, 2008 Last Structure Change Process Date: December 02, 2008 Last Data Update: December 02, 2008 Data Source Date: April 05, 2012 |
| Location | Address: 1900 Mcloughlin Blvd Ste 67, Oregon City, OR 97045 County: Clackamas 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 Metropolitan Statistical Area (MSA): Portland-Vancouver, OR-WA (#6440) Consolidated Metropolitan Statistical Area (CMSA): Portland-Salem, OR-WA (#79) Core Based Statistical Area (CBSA): Portland-Vancouver-Hillsboro, OR-WA (#38900) CBSA Metro Statistical Area: Portland-Vancouver-Hillsboro, OR-WA (#38900) |
| History of Changes | Corrections |
| Financial Summary | Total assets: $120.5 mil Equity capital: $13.5 mil Deposits held in domestic offices: $106.4 mil Return on assets (ROA): 0.31% ($0.4 mil) Quarterly return on assets: 0.20% ($0.2 mil) Return on Equity (ROE): 2.84% ($0.4 mil) Quarterly return on equity: 1.85% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.55% ($662.7 mil) Quarterly Pretax return on assets: 0.37% ($445.8 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 20 |
| Total assets | $120,488 |
| Cash and due from depository institutions | $21,000 |
| Interest-bearing balances | $20,582 |
| Securities | $15,954 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $76,388 |
| Loan loss allowance | $1,621 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,358 |
| Other real estate owned | $2,183 |
| Goodwill and other intangibles | $4 |
| All other assets | $3,601 |
| Life insurance assets | $120,488 |
| Total liabilities and capital | $106,979 |
| Total liabilities | $106,390 |
| Total deposits | $101,933 |
| Interest-bearing deposits | $106,390 |
| Deposits held in domestic offices | $89 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $589 |
| All other liabilities | $13,509 |
| Total equity capital | $13,509 |
| Total bank equity capital | $13,509 |
| Perpetual preferred stock | $0 |
| Common stock | $13,808 |
| Surplus | $1,014 |
| Undivided profits | $-1,313 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $2,433 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $395 |
| Average Assets, year-to-date | $112,924 |
| Average Assets, quarterly | $16,180 |
| Volatile liabilities | $122,132 |
| Insider loans | $121,526 |
| FHLB advances | $76,141 |
| Loans and leases held for sale | $122,657 |
| Unused loan commitments | $38 |
| Tier 1 (core) risk-based capital | $38 |
| Tier 2 risk-based capital | $13,409 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $7,106 |
| Derivatives | $378 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $6,098 |
| Total interest expense | $1,486 |
| Net interest income | $4,612 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $90 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $15 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $75 |
| Total noninterest expense | $4,131 |
| Salaries and employee benefits | $2,248 |
| Premises and equipment expense | $275 |
| Additional noninterest expense | $1,608 |
| Pre-tax net operating income | $571 |
| Securities gains (losses) | $103 |
| Applicable income taxes | $300 |
| Income before extraordinary items | $374 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $374 |
| Net charge-offs | $0 |
| Cash dividends | $374 |
| Sale, conversion, retirement of capital stock, net | $92 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.32% |
| Cost of funding earning assets | 1.30% |
| Net interest margin | 4.02% |
| Noninterest income to earning assets | 0.08% |
| Noninterest expense to earning assets | 3.60% |
| Net operating income to assets | 0.25% |
| Return on assets (ROA) | 0.31% |
| Pretax return on assets | 0.55% |
| Return on equity (ROE) | 2.84% |
| Retained earnings to average equity (YTD only) | 2.84% |
| Net charge-offs to loans | 0.12% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 6.21% |
| Assets per employee | $87,856 |
| Cash dividends to net income (YTD only) | 6.02% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.08% |
| Noncurrent assets plus other real estate owned to assets | 66.63% |
| Noncurrent loans to loans | 3.83% |
| Net loans and leases to deposits | 3.12% |
| Net loans and leases to core deposits | 71.80% |
| Equity capital to assets | 76.69% |
| Core capital (leverage) ratio | 11.21% |
| Tier 1 risk-based capital ratio | 10.93% |
| Total risk-based capital ratio | 17.61% |
| Memoranda | |
| Average assets | $19 |
| Average earning assets | $122,132 |
| Average equity | $13,164 |
| Average loans | $114,619 |
| 1 Oregon Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 451438 | Lewis & Clark Bank | 1900 Mcloughlin Blvd Ste 67, Oregon City, OR 97045 | December 15, 2006 | Full Service Brick and Mortar |  |
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