Pacific Continental Bank in Eugene, Oregon (OR), WA
Overview, Financial Summary, Detailed Financial Reports, Branches

Pacific Continental Bank - Overview

  • General
  • FDIC Certificate #: 20774
    Status: Active
    Federal Reserve ID: 693662
    Bank Holding Company (Regulatory Top Holder): Pacific Continental Corporation (RSSDID: 2762973, Location: Eugene, OR)
    Date Established: August 15, 1972
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: Yes)
    OTS Docket #: 9184
    FDIC's unique #: 14348
    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: August 15, 1972
    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: 1450 High Street, Eugene, OR 97401
    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
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,271.7 mil
    Equity capital: $179.6 mil
    Deposits held in domestic offices: $974.6 mil
    Return on assets (ROA): 0.46% ($5.9 mil)
    Quarterly return on assets: -0.25% (-$3.2 mil)
    Return on Equity (ROE): 3.22% ($5.8 mil)
    Quarterly return on equity: -1.72% (-$3.1 mil)
    Net income: $5.7 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: 0.61% ($7,757.1 mil)
    Quarterly Pretax return on assets: -0.69% (-$8,774.4 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
  • 263Total employees (full-time equivalent)
  • $1,271,657Total assets
  • $19,857Cash and due from depository institutions
  • $2,186Interest-bearing balances
  • $346,542Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $806,970Net loans & leases
  • $14,941Loan loss allowance
  • $0Trading account assets
  • $18,410Bank premises and fixed assets
  • $11,000Other real estate owned
  • $22,235Goodwill and other intangibles
  • $1,271,657Life insurance assets
  • $46,643All other assets
  • $1,092,039Total liabilities and capital
  • $974,645Total liabilities
  • $867,558Total deposits
  • $974,645Interest-bearing deposits
  • $62Deposits held in domestic offices
  • 12300.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $101,500Trading liabilities
  • $0Other borrowed funds
  • $3,594Subordinated debt
  • $179,618All other liabilities
  • $179,618Total equity capital
  • $179,618Total bank equity capital
  • $0Perpetual preferred stock
  • $75,174Common stock
  • $27,239Surplus
  • $77,205Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,058Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,593Income earned, not collected on loans
  • $511Earning assets
  • $4,725Long-term assets (5+ years)
  • $1,155,698Average Assets, year-to-date
  • $494,821Average Assets, quarterly
  • $1,233,858Volatile liabilities
  • $1,262,148Insider loans
  • $896,951FHLB advances
  • $1,229,444Loans and leases held for sale
  • $15,038Unused loan commitments
  • $15,038Tier 1 (core) risk-based capital
  • $153,829Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $118,867Restructured Loans and leases
  • $994Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $59,778Total interest income
  • $8,479Total interest expense
  • $51,299Net interest income
  • $12,900Provision for loan and lease losses
  • $2,092Total noninterest income
  • $0Fiduciary activities
  • $1,646Service charges on deposit accounts
  • $0Trading account gains & fees
  • $446Additional noninterest income
  • $33,810Total noninterest expense
  • $18,875Salaries and employee benefits
  • $3,193Premises and equipment expense
  • $11,742Additional noninterest expense
  • $6,681Pre-tax net operating income
  • $874Securities gains (losses)
  • $1,888Applicable income taxes
  • $5,667Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,667Net income attributable to bank
  • $0Net charge-offs
  • $5,667Cash dividends
  • $14,529Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 3.22%Return on equity (ROE)
  • 3.22%Retained earnings to average equity (YTD only)
  • 1.74%Net charge-offs to loans
  • 88.79%Credit loss provision to net charge-offs
  • 1.35%Efficiency ratio
  • 63,325Assets per employee
  • 4.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 56.18%Noncurrent assets plus other real estate owned to assets
  • 2.96%Noncurrent loans to loans
  • 3.24%Net loans and leases to deposits
  • 82.80%Net loans and leases to core deposits
  • 92.30%Equity capital to assets
  • 14.12%Core capital (leverage) ratio
  • 12.51%Tier 1 risk-based capital ratio
  • 17.15%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $1,233,858Average earning assets
  • $176,111Average equity
  • $1,125,917Average loans

List of branches

  • 11 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014348Pacific Continental Bank1450 High Street, Eugene, OR 97401August 15, 1972Full Service Brick and Mortar
    1251667Coburg Branch255 Coburg Road, Eugene, OR 97401January 13, 1992Full Service Brick and Mortar
    2251668River Road Branch2021 River Road, Eugene, OR 97404October 04, 1993Full Service Brick and Mortar
    3251669Olive Branch111 West 7th Avenue, Eugene, OR 97401September 26, 1994Full Service Brick and Mortar
    4251670Beaverton Branch12255 Southwest First, Beaverton, OR 97005August 19, 1996Full Service Brick and Mortar
    5251671Junction City Branch285 West Sixth Street, Junction, OR 97448September 03, 1996Full Service Brick and Mortar
    7251673Springfield Branch1011 Harlow Road, Springfield, OR 97477October 13, 1998Full Service Brick and Mortar
    8251674Tualatin Branch19321 Martinazzi Avenue, Tualatin, OR 97062June 07, 1999Full Service Brick and Mortar
    9357595West 11th Branch2400 West 11th Avenue, Eugene, OR 97402June 12, 2000Full Service Brick and Mortar
    10422404Koin Center Branch222 Sw Columbia, Portland, OR 97201January 06, 2003Full Service Brick and Mortar
    11442241Convention Center Branch777 Ne Mlk Blvd, Portland, OR 97232June 30, 2005Full Service Brick and Mortar
  • 3 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1261956Seattle Branch1100 Olive Way, Suite 101, Seattle, WA 98101December 08, 1998Full Service Brick and Mortar
    13426549Bellevue305 108th Avenue Ne, Suite 100, Bellevue, WA 98004May 30, 2003Full Service Brick and Mortar
    15453354Vancouver Branch911 Main St, Suite 100, Vancouver, WA 98660June 05, 2006Full Service Brick and Mortar

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