Peoples Bank of Commerce in Medford, Oregon (OR)

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Peoples Bank of Commerce routing number info

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Peoples Bank of Commerce
GeneralFDIC Certificate #: 34685
Status: Active
Federal Reserve ID: 2661861
Date Established: March 02, 1998
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 61197
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: March 02, 1998
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
LocationAddress: 750 Biddle Road, Medford, OR 97504
County: Jackson
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): Medford-Ashland, OR (#4890)
Core Based Statistical Area (CBSA): Medford, OR (#32780)
CBSA Metro Statistical Area: Medford, OR (#32780)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $126.7 mil
Equity capital: $13.6 mil
Deposits held in domestic offices: $110.6 mil
Return on assets (ROA): 0.46% ($0.6 mil)
Quarterly return on assets: 0.70% ($0.9 mil)
Return on Equity (ROE): 4.03% ($0.6 mil)
Quarterly return on equity: 6.32% ($0.9 mil)
Net income: $0.5 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.63% ($798.3 mil)
Quarterly Pretax return on assets: 1.06% ($1,343.2 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)
Total employees (full-time equivalent)41
Total assets$126,716
Cash and due from depository institutions$5,933
Interest-bearing balances$798
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$96,419
Loan loss allowance $1,583
Trading account assets$0
Bank premises and fixed assets$4,155
Other real estate owned$2,606
Goodwill and other intangibles$150
All other assets$5,847
Life insurance assets$126,716
Total liabilities and capital$113,102
Total liabilities$110,571
Total deposits$78,227
Interest-bearing deposits$110,571
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,476
Other borrowed funds $0
Subordinated debt $1,055
All other liabilities $13,614
Total equity capital$13,614
Total bank equity capital$13,614
Perpetual preferred stock$0
Common stock$5,688
Undivided profits $831
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,228
Income earned, not collected on loans $145
Earning assets $21
Long-term assets (5+ years) $335
Average Assets, year-to-date $108,823
Average Assets, quarterly $47,955
Volatile liabilities $114,451
Insider loans $122,479
FHLB advances $102,264
Loans and leases held for sale $124,181
Unused loan commitments $3,787
Tier 1 (core) risk-based capital $3,787
Tier 2 risk-based capital $13,339
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,654
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,540
Total interest expense $700
Net interest income $4,840
Provision for loan and lease losses $411
Total noninterest income $1,368
Fiduciary activities $0
Service charges on deposit accounts $163
Trading account gains & fees $0
Additional noninterest income $1,205
Total noninterest expense $5,199
Salaries and employee benefits $2,985
Premises and equipment expense $712
Additional noninterest expense $1,502
Pre-tax net operating income $598
Securities gains (losses) $122
Applicable income taxes $192
Income before extraordinary items $528
Extraordinary gains - net $0
Net income attributable to bank $528
Net charge-offs $0
Cash dividends $528
Sale, conversion, retirement of capital stock, net $258
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.63%
Cost of funding earning assets 0.71%
Net interest margin 4.92%
Noninterest income to earning assets 1.39%
Noninterest expense to earning assets 5.29%
Net operating income to assets 0.38%
Return on assets (ROA) 0.46%
Pretax return on assets 0.63%
Return on equity (ROE) 4.03%
Retained earnings to average equity (YTD only) 4.03%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 159.30%
Efficiency ratio3.91%
Assets per employee$83,747
Cash dividends to net income (YTD only)3.09%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.62%
Noncurrent assets plus other real estate owned to assets 1091.72%
Noncurrent loans to loans 2.17%
Net loans and leases to deposits0.15%
Net loans and leases to core deposits 87.20%
Equity capital to assets 99.31%
Core capital (leverage) ratio 10.74%
Tier 1 risk-based capital ratio 10.74%
Total risk-based capital ratio 13.04%
Average assets$14
Average earning assets$114,451
Average equity $13,102
Average loans $98,321
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3 Oregon Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
061197Peoples Bank Of Commerce750 Biddle Road, Medford, OR 97504March 02, 1998Full Service Brick and Mortar
1444891Ashland Branch1500 Siskiyou Boulevard, Ashland, OR 97520October 03, 2005Full Service Brick and Mortar
2478540Central Point Branch1017 E Pine Street, Central Point, OR 97502June 04, 2008Full Service Brick and Mortar
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