Pacific One Bank in Portland, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 1998

  • Pacific One Bank in Portland, Oregon (OR)
  • Show street view No street view available for this location

Pacific One Bank - Overview

  • General
  • FDIC Certificate #: 34181
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of the West (#3514)
    Federal Reserve ID: 2389763
    Date Established: May 31, 1996
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 40 (Interstate: No)
    FDIC's unique #: 56839
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 31, 1996
    Last Structure Change Effective Date: November 01, 1998
    Last Structure Change Process Date: Febuary 01, 1999
    Last Data Update: Febuary 01, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 South West Fifth Avenue, Portland, OR 97204
    County: Multnomah
    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: $954.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 356Total employees (full-time equivalent)
  • $750,434Total assets
  • $37,021Cash and due from depository institutions
  • $50Interest-bearing balances
  • $61,805Securities
  • $10,004Federal funds sold & reverse repurchase agreements
  • $585,185Net loans & leases
  • $6,593Loan loss allowance
  • $0Trading account assets
  • $15,773Bank premises and fixed assets
  • $0Other real estate owned
  • $27,062Goodwill and other intangibles
  • $0Life insurance assets
  • $13,584All other assets
  • $750,434Total liabilities and capital
  • $663,269Total liabilities
  • $595,725Total deposits
  • $505,957Interest-bearing deposits
  • $595,725Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $54,374Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,000Other borrowed funds
  • $0Subordinated debt
  • $3,170All other liabilities
  • $87,165Total equity capital
  • $87,165Total bank equity capital
  • $87,165Perpetual preferred stock
  • $0Common stock
  • $1,612Surplus
  • $80,319Undivided profits
  • Memoranda
  • $5,234Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $337Earning assets
  • $0Long-term assets (5+ years)
  • $4,533Average Assets, year-to-date
  • $657,044Average Assets, quarterly
  • $155,117Volatile liabilities
  • $703,456Insider loans
  • $734,087FHLB advances
  • $110,852Loans and leases held for sale
  • $3,541Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $239,344Total unused commitments
  • $0Restructured Loans and leases
  • $585,036Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $53,935Total interest income
  • $24,371Total interest expense
  • $29,564Net interest income
  • $1,775Provision for loan and lease losses
  • $7,076Total noninterest income
  • $0Fiduciary activities
  • $2,750Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,326Additional noninterest income
  • $26,074Total noninterest expense
  • $12,721Salaries and employee benefits
  • $2,454Premises and equipment expense
  • $10,899Additional noninterest expense
  • $8,791Pre-tax net operating income
  • $68Securities gains (losses)
  • $3,363Applicable income taxes
  • $5,496Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,496Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $681Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.84%Yield on earning assets
  • 4.00%Cost of funding earning assets
  • 4.85%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 4.27%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 7.14%Return on equity (ROE)
  • 7.14%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 260.65%Credit loss provision to net charge-offs
  • 15.52%Efficiency ratio
  • 66,638Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 1956.38%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 98.23%Net loans and leases to core deposits
  • 106.54%Equity capital to assets
  • 11.62%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 10.27%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $703,456Average earning assets
  • $76,992Average equity
  • $610,032Average loans

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