Oregon Pacific Banking Company dba Oregon Pacific Bank in Florence, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Oregon Pacific Banking Company dba Oregon Pacific Bank in Florence, Oregon (OR)
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Oregon Pacific Banking Company dba Oregon Pacific Bank - Overview

  • 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)

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, 2011)

  • Dollar figures in thousands
  • 74Total employees (full-time equivalent)
  • $174,037Total assets
  • $32,342Cash and due from depository institutions
  • $28,286Interest-bearing balances
  • $12,509Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $116,077Net loans & leases
  • $2,698Loan loss allowance
  • $0Trading account assets
  • $6,478Bank premises and fixed assets
  • $1,521Other real estate owned
  • $368Goodwill and other intangibles
  • $174,037Life insurance assets
  • $4,742All other assets
  • $158,271Total liabilities and capital
  • $143,088Total liabilities
  • $111,732Total deposits
  • $143,088Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 4476.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,083Trading liabilities
  • $0Other borrowed funds
  • $2,624Subordinated debt
  • $15,766All other liabilities
  • $15,766Total equity capital
  • $15,766Total bank equity capital
  • $0Perpetual preferred stock
  • $8,927Common stock
  • $13Surplus
  • $6,826Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $258Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,873Income earned, not collected on loans
  • $418Earning assets
  • $428Long-term assets (5+ years)
  • $156,872Average Assets, year-to-date
  • $44,167Average Assets, quarterly
  • $167,715Volatile liabilities
  • $174,709Insider loans
  • $121,725FHLB advances
  • $171,851Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,646Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,537Restructured Loans and leases
  • $2,549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,879Total interest income
  • $1,272Total interest expense
  • $6,607Net interest income
  • $1,182Provision for loan and lease losses
  • $1,929Total noninterest income
  • $738Fiduciary activities
  • $377Service charges on deposit accounts
  • $0Trading account gains & fees
  • $814Additional noninterest income
  • $7,450Total noninterest expense
  • $4,037Salaries and employee benefits
  • $905Premises and equipment expense
  • $2,508Additional noninterest expense
  • -$96Pre-tax net operating income
  • $0Securities gains (losses)
  • -$116Applicable income taxes
  • $20Income before extraordinary items
  • $0Extraordinary gains - net
  • $20Net income attributable to bank
  • $0Net charge-offs
  • $20Cash dividends
  • $2,247Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.21%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.37%Net interest margin
  • 1.27%Noninterest income to earning assets
  • 4.92%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • -0.06%Pretax return on assets
  • 0.13%Return on equity (ROE)
  • 0.13%Retained earnings to average equity (YTD only)
  • 1.88%Net charge-offs to loans
  • 52.60%Credit loss provision to net charge-offs
  • 0.48%Efficiency ratio
  • 87,160Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 55.37%Noncurrent assets plus other real estate owned to assets
  • 3.67%Noncurrent loans to loans
  • 4.10%Net loans and leases to deposits
  • 81.12%Net loans and leases to core deposits
  • 86.67%Equity capital to assets
  • 9.06%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 12.03%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $167,715Average earning assets
  • $15,776Average equity
  • $151,350Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $54,057Managed Assets
  • 1Number of Accounts
  • $53,869Personal trust and agency accounts
  • $30,102Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $4,006Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $19,761Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 138Number of Accounts
  • $0Personal trust and agency accounts
  • $4,006Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $188Other retirement accounts
  • $188Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016105Oregon Pacific Banking Company Dba O1355 Highway 101, Florence, OR 97439December 17, 1979Full Service Brick and Mortar
    1255778Safeway Branch700 Highway 101, Florence, OR 97439August 14, 1995Full Service Retail
    3255780Mobile Branch1355 Highway 101, Florence, OR 97439May 05, 1997Limited Service Mobile
    4364504Coos Bay Branch Oregon Pacific Bk Co915 S. First St., Coos Bay, OR 97420June 03, 2002Full Service Brick and Mortar
    5365335Roseburg Branch Oregon Pacific Bk Co2555 Nw Edenbower, Roseburg, OR 97470January 02, 2002Full Service Brick and Mortar

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