FDIC Certificate #: 28049 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:FirstBank Northwest (#28351) Federal Reserve ID: 924179 Date Established: January 01, 1901 WWW:http://www.pioneerbankfsb.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 800 FDIC's unique #: 40883 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes Oakar Institutions: Yes State Chartered: No Date of Deposit Insurance: December 28, 1934 Last Structure Change Effective Date: October 31, 2003 Last Structure Change Process Date: January 20, 2004 Last Data Update: January 20, 2004 Data Source Date: April 05, 2012
Location
Address: 2055 First Street, Baker City, OR 97814 County: Baker 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
Financial Summary
Total assets: $366.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
123Total employees (full-time equivalent)
$378,203Total assets
$15,474Cash and due from depository institutions
$13,574Interest-bearing balances
$90,082Securities
$0Federal funds sold & reverse repurchase agreements
$240,671Net loans & leases
$2,317Loan loss allowance
$0Trading account assets
$8,889Bank premises and fixed assets
$150Other real estate owned
$72Goodwill and other intangibles
$0Life insurance assets
$22,865All other assets
$378,203Total liabilities and capital
$331,377Total liabilities
$260,104Total deposits
$232,837Interest-bearing deposits
$260,104Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$66,929Other borrowed funds
$0Subordinated debt
$4,344All other liabilities
$46,826Total equity capital
$46,826Total bank equity capital
$46,826Perpetual preferred stock
$0Common stock
$1Surplus
$22,580Undivided profits
Memoranda
$24,245Noncurrent loans and leases
$40,848Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$240Earning assets
$0Long-term assets (5+ years)
$1,660Average Assets, year-to-date
$344,327Average Assets, quarterly
$0Volatile liabilities
$392,699Insider loans
$386,565FHLB advances
$144,061Loans and leases held for sale
$1,555Unused loan commitments
$65,775Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$40,848Total unused commitments
$215Restructured Loans and leases
$2,317Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$24,992Total interest income
$9,726Total interest expense
$15,266Net interest income
$53Provision for loan and lease losses
$3,622Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3,622Additional noninterest income
$10,477Total noninterest expense
$6,716Salaries and employee benefits
$1,546Premises and equipment expense
$2,215Additional noninterest expense
$8,358Pre-tax net operating income
$0Securities gains (losses)
$2,799Applicable income taxes
$5,559Income before extraordinary items
$0Extraordinary gains - net
$5,559Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$103Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.96%Yield on earning assets
2.71%Cost of funding earning assets
4.25%Net interest margin
1.01%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
1.42%Net operating income to assets
1.42%Return on assets (ROA)
2.13%Pretax return on assets
12.84%Return on equity (ROE)
12.84%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
51.46%Credit loss provision to net charge-offs
81.66%Efficiency ratio
55,411Assets per employee
3.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
965.42%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.10%Net loans and leases to deposits
92.53%Net loans and leases to core deposits
131.53%Equity capital to assets
12.38%Core capital (leverage) ratio
11.89%Tier 1 risk-based capital ratio
17.79%Total risk-based capital ratio
Memoranda
$19Average assets
$392,699Average earning assets
$43,297Average equity
$358,851Average loans
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