Oregon Pacific Banking Company dba Oregon Pacific Bank in Florence, Oregon (OR)
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| Oregon Pacific Banking Company dba Oregon Pacific Bank | |
|---|---|
| General | FDIC Certificate #: 23007 Status: Active Federal Reserve ID: 160360 Bank Holding Company (Regulatory Top Holder): Oregon Pacific Bancorp (RSSDID: 3152423, Location: Florence, OR) Date Established: December 17, 1979 WWW: http://www.opbc.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 5 (Domestic: 5, Interstate: No) OTS Docket #: 10782 FDIC's unique #: 16105 Numeric code: 13 Regulator: FED 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 17, 1979 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012 |
| Location | Address: 1355 Highway 101, Florence, OR 97439 County: Lane 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): Eugene-Springfield, OR (#2400) Core Based Statistical Area (CBSA): Eugene-Springfield, OR (#21660) CBSA Metro Statistical Area: Eugene-Springfield, OR (#21660) |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $174.0 mil Equity capital: $15.8 mil Deposits held in domestic offices: $143.1 mil Return on assets (ROA): 0.01% ($0.0 mil) Quarterly return on assets: -0.30% (-$0.5 mil) Return on Equity (ROE): 0.13% ($0.0 mil) Quarterly return on equity: -3.29% (-$0.5 mil) Net income: $0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.06% (-$104.4 mil) Quarterly Pretax return on assets: -0.54% (-$939.8 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 74 |
| Total assets | $174,037 |
| Cash and due from depository institutions | $32,342 |
| Interest-bearing balances | $28,286 |
| Securities | $12,509 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $116,077 |
| Loan loss allowance | $2,698 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,478 |
| Other real estate owned | $1,521 |
| Goodwill and other intangibles | $368 |
| All other assets | $4,742 |
| Life insurance assets | $174,037 |
| Total liabilities and capital | $158,271 |
| Total liabilities | $143,088 |
| Total deposits | $111,732 |
| Interest-bearing deposits | $143,088 |
| Deposits held in domestic offices | $82 |
| % insured (estimated) | 4476.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $8,083 |
| Other borrowed funds | $0 |
| Subordinated debt | $2,624 |
| All other liabilities | $15,766 |
| Total equity capital | $15,766 |
| Total bank equity capital | $15,766 |
| Perpetual preferred stock | $0 |
| Common stock | $8,927 |
| Surplus | $13 |
| Undivided profits | $6,826 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $258 |
| Income earned, not collected on loans | $4,873 |
| Earning assets | $418 |
| Long-term assets (5+ years) | $428 |
| Average Assets, year-to-date | $156,872 |
| Average Assets, quarterly | $44,167 |
| Volatile liabilities | $167,715 |
| Insider loans | $174,709 |
| FHLB advances | $121,725 |
| Loans and leases held for sale | $171,851 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $14,646 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $10,537 |
| Derivatives | $2,549 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $7,879 |
| Total interest expense | $1,272 |
| Net interest income | $6,607 |
| Provision for loan and lease losses | $1,182 |
| Total noninterest income | $1,929 |
| Fiduciary activities | $738 |
| Service charges on deposit accounts | $377 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $814 |
| Total noninterest expense | $7,450 |
| Salaries and employee benefits | $4,037 |
| Premises and equipment expense | $905 |
| Additional noninterest expense | $2,508 |
| Pre-tax net operating income | -$96 |
| Securities gains (losses) | $0 |
| Applicable income taxes | -$116 |
| Income before extraordinary items | $20 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $20 |
| Net charge-offs | $0 |
| Cash dividends | $20 |
| Sale, conversion, retirement of capital stock, net | $2,247 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.21% |
| Cost of funding earning assets | 0.84% |
| Net interest margin | 4.37% |
| Noninterest income to earning assets | 1.27% |
| Noninterest expense to earning assets | 4.92% |
| Net operating income to assets | 0.01% |
| Return on assets (ROA) | 0.01% |
| Pretax return on assets | -0.06% |
| Return on equity (ROE) | 0.13% |
| Retained earnings to average equity (YTD only) | 0.13% |
| Net charge-offs to loans | 1.88% |
| Credit loss provision to net charge-offs | 52.60% |
| Efficiency ratio | 0.48% |
| Assets per employee | $87,160 |
| Cash dividends to net income (YTD only) | 2.35% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.27% |
| Noncurrent assets plus other real estate owned to assets | 55.37% |
| Noncurrent loans to loans | 3.67% |
| Net loans and leases to deposits | 4.10% |
| Net loans and leases to core deposits | 81.12% |
| Equity capital to assets | 86.67% |
| Core capital (leverage) ratio | 9.06% |
| Tier 1 risk-based capital ratio | 8.52% |
| Total risk-based capital ratio | 12.03% |
| Memoranda | |
| Average assets | $13 |
| Average earning assets | $167,715 |
| Average equity | $15,776 |
| Average loans | $151,350 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $54,057 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $53,869 |
| Employee benefit-defined contribution accounts | $30,102 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $4,006 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $19,761 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 138 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $4,006 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $188 |
| Corporate trust and agency accounts | $188 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 5 Oregon Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 16105 | Oregon Pacific Banking Company Dba O | 1355 Highway 101, Florence, OR 97439 | December 17, 1979 | Full Service Brick and Mortar |  |
| 1 | 255778 | Safeway Branch | 700 Highway 101, Florence, OR 97439 | August 14, 1995 | Full Service Retail |  |
| 3 | 255780 | Mobile Branch | 1355 Highway 101, Florence, OR 97439 | May 05, 1997 | Limited Service Mobile | |
| 4 | 364504 | Coos Bay Branch Oregon Pacific Bk Co | 915 S. First St., Coos Bay, OR 97420 | June 03, 2002 | Full Service Brick and Mortar | |
| 5 | 365335 | Roseburg Branch Oregon Pacific Bk Co | 2555 Nw Edenbower, Roseburg, OR 97470 | January 02, 2002 | Full Service Brick and Mortar | |
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