Peoples Bank of Commerce in Medford, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples Bank of Commerce in Medford, Oregon (OR)
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Peoples Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 34685
    Status: Active
    Federal Reserve ID: 2661861
    Date Established: March 02, 1998
    WWW: http://www.peoplesbankofcommerce.com
    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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 41Total employees (full-time equivalent)
  • $126,716Total assets
  • $5,933Cash and due from depository institutions
  • $798Interest-bearing balances
  • $11,606Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $96,419Net loans & leases
  • $1,583Loan loss allowance
  • $0Trading account assets
  • $4,155Bank premises and fixed assets
  • $2,606Other real estate owned
  • $150Goodwill and other intangibles
  • $126,716Life insurance assets
  • $5,847All other assets
  • $113,102Total liabilities and capital
  • $110,571Total liabilities
  • $78,227Total deposits
  • $110,571Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,476Trading liabilities
  • $0Other borrowed funds
  • $1,055Subordinated debt
  • $13,614All other liabilities
  • $13,614Total equity capital
  • $13,614Total bank equity capital
  • $0Perpetual preferred stock
  • $5,688Common stock
  • $7,095Surplus
  • $831Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,228Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $145Income earned, not collected on loans
  • $21Earning assets
  • $335Long-term assets (5+ years)
  • $108,823Average Assets, year-to-date
  • $47,955Average Assets, quarterly
  • $114,451Volatile liabilities
  • $122,479Insider loans
  • $102,264FHLB advances
  • $124,181Loans and leases held for sale
  • $3,787Unused loan commitments
  • $3,787Tier 1 (core) risk-based capital
  • $13,339Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,654Restructured Loans and leases
  • $3,169Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,540Total interest income
  • $700Total interest expense
  • $4,840Net interest income
  • $411Provision for loan and lease losses
  • $1,368Total noninterest income
  • $0Fiduciary activities
  • $163Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,205Additional noninterest income
  • $5,199Total noninterest expense
  • $2,985Salaries and employee benefits
  • $712Premises and equipment expense
  • $1,502Additional noninterest expense
  • $598Pre-tax net operating income
  • $122Securities gains (losses)
  • $192Applicable income taxes
  • $528Income before extraordinary items
  • $0Extraordinary gains - net
  • $528Net income attributable to bank
  • $0Net charge-offs
  • $528Cash dividends
  • $258Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.92%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 5.29%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 4.03%Return on equity (ROE)
  • 4.03%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 159.30%Credit loss provision to net charge-offs
  • 3.91%Efficiency ratio
  • 83,747Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 1091.72%Noncurrent assets plus other real estate owned to assets
  • 2.17%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 87.20%Net loans and leases to core deposits
  • 99.31%Equity capital to assets
  • 10.74%Core capital (leverage) ratio
  • 10.74%Tier 1 risk-based capital ratio
  • 13.04%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $114,451Average earning assets
  • $13,102Average equity
  • $98,321Average loans

List of branches

  • 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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