Northwest Bank in Lake Oswego, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Northwest Bank in Lake Oswego, Oregon (OR)
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Northwest Bank - Overview

  • General
  • FDIC Certificate #: 58047
    Status: Active
    Federal Reserve ID: 3368831
    Date Established: July 25, 2005
    WWW: http://www.northwest-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 437118
    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: July 25, 2005
    Last Structure Change Effective Date: Febuary 01, 2012
    Last Structure Change Process Date: Febuary 03, 2012
    Last Data Update: Febuary 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 4900 Sw Meadows Road, Suite 410, Lake Oswego, OR 97035
    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)
  • Financial Summary
  • Total assets: $104.4 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $95.2 mil
    Return on assets (ROA): -0.56% (-$0.6 mil)
    Quarterly return on assets: -0.24% (-$0.2 mil)
    Return on Equity (ROE): -6.93% (-$0.6 mil)
    Quarterly return on equity: -2.76% (-$0.2 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.56% (-$584.6 mil)
    Quarterly Pretax return on assets: -0.24% (-$250.5 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
  • 22Total employees (full-time equivalent)
  • $104,389Total assets
  • $18,806Cash and due from depository institutions
  • $16,619Interest-bearing balances
  • $14,471Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,520Net loans & leases
  • $1,546Loan loss allowance
  • $0Trading account assets
  • $57Bank premises and fixed assets
  • $1,345Other real estate owned
  • $0Goodwill and other intangibles
  • $104,389Life insurance assets
  • $1,190All other assets
  • $95,586Total liabilities and capital
  • $95,212Total liabilities
  • $64,848Total deposits
  • $95,212Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $374Subordinated debt
  • $8,803All other liabilities
  • $8,803Total equity capital
  • $8,803Total bank equity capital
  • $0Perpetual preferred stock
  • $2,464Common stock
  • $22,451Surplus
  • $-16,112Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,479Income earned, not collected on loans
  • $0Earning assets
  • $284Long-term assets (5+ years)
  • $99,610Average Assets, year-to-date
  • $8,886Average Assets, quarterly
  • $109,205Volatile liabilities
  • $103,477Insider loans
  • $88,542FHLB advances
  • $103,674Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,673Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,592Restructured Loans and leases
  • $1,960Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,719Total interest income
  • $863Total interest expense
  • $3,856Net interest income
  • -$741Provision for loan and lease losses
  • -$922Total noninterest income
  • $0Fiduciary activities
  • $150Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,072Additional noninterest income
  • $4,284Total noninterest expense
  • $2,431Salaries and employee benefits
  • $527Premises and equipment expense
  • $1,326Additional noninterest expense
  • -$609Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • -$613Income before extraordinary items
  • $0Extraordinary gains - net
  • -$613Net income attributable to bank
  • $0Net charge-offs
  • -$613Cash dividends
  • $262Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.72%Net interest margin
  • -0.89%Noninterest income to earning assets
  • 4.14%Noninterest expense to earning assets
  • -0.56%Net operating income to assets
  • -0.56%Return on assets (ROA)
  • -0.56%Pretax return on assets
  • -6.93%Return on equity (ROE)
  • -6.93%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • -282.82%Credit loss provision to net charge-offs
  • -5.15%Efficiency ratio
  • 146,012Assets per employee
  • 4.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.21%Loss allowance to noncurrent loans
  • 62.36%Noncurrent assets plus other real estate owned to assets
  • 3.66%Noncurrent loans to loans
  • 3.54%Net loans and leases to deposits
  • 71.97%Net loans and leases to core deposits
  • 79.37%Equity capital to assets
  • 8.43%Core capital (leverage) ratio
  • 8.37%Tier 1 risk-based capital ratio
  • 9.80%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $109,205Average earning assets
  • $8,848Average equity
  • $103,569Average loans

List of branches

  • 3 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0437118Northwest Bank4900 Sw Meadows Road, Suite 410, Lake Oswego, OR 97035July 25, 2005Full Service Brick and Mortar
    1442276Mobile Branch4900 Sw Meadows Road, Suite 400, Lake Oswego, OR 97035July 25, 2005Limited Service Mobile
    2469272Central Eastside Branch532 Se Grand Avenue, Portland, OR 97214November 20, 2007Full Service Brick and Mortar

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