Orchard Federal Savings Bank in Ontario, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 08, 2000

  • Orchard Federal Savings Bank in Ontario, Oregon (OR)
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Orchard Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 32009
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Household Bank, FSB (#30971)
    Federal Reserve ID: 659574
    Date Established: January 01, 1979
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7729
    FDIC's unique #: 44843
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: April 15, 1980
    Last Structure Change Effective Date: Febuary 08, 2000
    Last Structure Change Process Date: May 18, 2000
    Last Data Update: May 18, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 98 South Oregon Street, Ontario, OR 97914
    County: Malheur
    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): Ontario, OR-ID (#36620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $503.1 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 102Total employees (full-time equivalent)
  • $503,076Total assets
  • $68,622Cash and due from depository institutions
  • $60,676Interest-bearing balances
  • $7,555Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $416,521Net loans & leases
  • $373Loan loss allowance
  • $0Trading account assets
  • $837Bank premises and fixed assets
  • $891Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $8,650All other assets
  • $503,076Total liabilities and capital
  • $460,847Total liabilities
  • $454,747Total deposits
  • $454,747Interest-bearing deposits
  • $454,747Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $925Subordinated debt
  • $5,175All other liabilities
  • $42,229Total equity capital
  • $42,229Total bank equity capital
  • $42,229Perpetual preferred stock
  • $1,192Common stock
  • $31,560Surplus
  • $197Undivided profits
  • Memoranda
  • $9,280Noncurrent loans and leases
  • $243,263Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $26,284Earning assets
  • $0Long-term assets (5+ years)
  • $342Average Assets, year-to-date
  • $484,752Average Assets, quarterly
  • $0Volatile liabilities
  • $347,614Insider loans
  • $441,262FHLB advances
  • $32,736Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $243,263Total unused commitments
  • $0Restructured Loans and leases
  • $1,113Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $29,360Total interest income
  • $15,889Total interest expense
  • $13,471Net interest income
  • -$300Provision for loan and lease losses
  • $4,079Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,079Additional noninterest income
  • $10,816Total noninterest expense
  • $5,288Salaries and employee benefits
  • $1,068Premises and equipment expense
  • $4,460Additional noninterest expense
  • $7,034Pre-tax net operating income
  • $58Securities gains (losses)
  • $2,856Applicable income taxes
  • $4,236Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,236Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $110Sale, conversion, retirement of capital stock, net
  • $118Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.78%Yield on earning assets
  • 4.75%Cost of funding earning assets
  • 4.03%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 3.24%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 2.04%Pretax return on assets
  • 14.64%Return on equity (ROE)
  • 14.24%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • -272.73%Credit loss provision to net charge-offs
  • 61.22%Efficiency ratio
  • 61,630Assets per employee
  • 4.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.79%Loss allowance to loans
  • 0.09%Loss allowance to noncurrent loans
  • 1.42%Noncurrent assets plus other real estate owned to assets
  • 5.40%Noncurrent loans to loans
  • 6.30%Net loans and leases to deposits
  • 91.59%Net loans and leases to core deposits
  • 98.70%Equity capital to assets
  • 8.39%Core capital (leverage) ratio
  • 8.40%Tier 1 risk-based capital ratio
  • 10.21%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $347,614Average earning assets
  • $28,927Average equity
  • $334,300Average loans

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