South Valley Bank & Trust in Klamath Falls, Oregon (OR)

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South Valley Bank & Trust
GeneralFDIC Certificate #: 22401
Status: Active
Federal Reserve ID: 906063
Bank Holding Company (Regulatory Top Holder): South Valley Bancorp, Inc. (RSSDID: 2640615, Location: Klamath Falls, OR)
Date Established: January 12, 1977
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 26 (Domestic: 26, Interstate: No)
OTS Docket #: 16133
FDIC's unique #: 15602
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: January 12, 1977
Last Structure Change Effective Date: July 23, 2010
Last Structure Change Process Date: July 27, 2010
Last Data Update: July 27, 2010
Data Source Date: April 05, 2012
LocationAddress: 5215 South Sixth Street, Klamath Falls, OR 97603
County: Klamath
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
Core Based Statistical Area (CBSA): Klamath Falls, OR (#28900)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal assets: $865.2 mil
Equity capital: $66.0 mil
Deposits held in domestic offices: $771.3 mil
Return on assets (ROA): -0.49% (-$4.2 mil)
Quarterly return on assets: -0.17% (-$1.5 mil)
Return on Equity (ROE): -6.15% (-$4.1 mil)
Quarterly return on equity: -2.20% (-$1.5 mil)
Net income: -$4.2 mil
Quarterly Net income: -$0.4 mil
Pretax return on assets: -0.98% (-$8,479.3 mil)
Quarterly Pretax return on assets: -0.29% (-$2,509.2 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)310
Total assets$865,235
Cash and due from depository institutions$143,658
Interest-bearing balances$116,184
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$574,775
Loan loss allowance $10,237
Trading account assets$0
Bank premises and fixed assets$30,034
Other real estate owned$20,834
Goodwill and other intangibles$1,147
All other assets$49,218
Life insurance assets$865,235
Total liabilities and capital$799,220
Total liabilities$771,285
Total deposits$646,631
Interest-bearing deposits$771,285
Deposits held in domestic offices$84
% insured (estimated)674.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$25,528
Other borrowed funds $0
Subordinated debt $1,733
All other liabilities $66,015
Total equity capital$66,015
Total bank equity capital$66,015
Perpetual preferred stock$0
Common stock$2,697
Undivided profits $32,951
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,314
Income earned, not collected on loans $14,812
Earning assets $0
Long-term assets (5+ years) $3,068
Average Assets, year-to-date $736,528
Average Assets, quarterly $220,590
Volatile liabilities $855,662
Insider loans $862,578
FHLB advances $548,131
Loans and leases held for sale $860,212
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $61,224
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $95,706
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $38,797
Total interest expense $6,278
Net interest income $32,519
Provision for loan and lease losses $14,047
Total noninterest income $6,315
Fiduciary activities $1,230
Service charges on deposit accounts $1,233
Trading account gains & fees $0
Additional noninterest income $3,852
Total noninterest expense $33,135
Salaries and employee benefits $16,296
Premises and equipment expense $4,230
Additional noninterest expense $12,609
Pre-tax net operating income -$8,348
Securities gains (losses) -$1
Applicable income taxes -$4,124
Income before extraordinary items -$4,225
Extraordinary gains - net $0
Net income attributable to bank -$4,225
Net charge-offs $0
Cash dividends -$4,225
Sale, conversion, retirement of capital stock, net $14,933
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 assets5.32%
Cost of funding earning assets 0.86%
Net interest margin 4.46%
Noninterest income to earning assets 0.87%
Noninterest expense to earning assets 4.55%
Net operating income to assets -0.49%
Return on assets (ROA) -0.49%
Pretax return on assets -0.98%
Return on equity (ROE) -6.15%
Retained earnings to average equity (YTD only) -6.15%
Net charge-offs to loans 2.42%
Credit loss provision to net charge-offs 94.07%
Efficiency ratio0.38%
Assets per employee$85,299
Cash dividends to net income (YTD only)2.79%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.75%
Noncurrent assets plus other real estate owned to assets 69.11%
Noncurrent loans to loans 4.12%
Net loans and leases to deposits2.53%
Net loans and leases to core deposits 74.52%
Equity capital to assets 81.33%
Core capital (leverage) ratio 7.63%
Tier 1 risk-based capital ratio 7.12%
Total risk-based capital ratio 11.17%
Average assets$12
Average earning assets$855,662
Average equity $68,663
Average loans $728,676
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$120,076
Number of Accounts1
Personal trust and agency accounts$64,524
Employee benefit-defined contribution accounts$62,345
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$1,986
Investment management agency accounts$0
Other fiduciary accounts$193
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts287
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$1,986
Employee benefit-defined benefit accounts$0
Other retirement accounts$55,552
Corporate trust and agency accounts$11,704
Other fiduciary accounts$2,942
Fiduciary accounts held in foreign offices$40,675
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26 Oregon Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015602South Valley Bank & Trust5215 South Sixth Street, Klamath Falls, OR 97603January 12, 1977Full Service Brick and Mortar
1254513Main Street Branch801 Main Street, Klamath Falls, OR 97601December 31, 1984Full Service Brick and Mortar
2254514Gilchrist Branch138345 Highway 97 N, Gilchrist, OR 97737September 27, 1995Full Service Brick and Mortar
3254515Lakeview Branch125 North E Street, Lakeview, OR 97630March 18, 1997Full Service Brick and Mortar
4254516La Pine Branch51535 S Huntington Road, La Pine, OR 97739July 03, 1998Full Service Brick and Mortar
5254517Medford Trust Office860 O'hare Parkway, Suite 100, Medford, OR 97504April 02, 1999Limited Service Trust
7357352Campus Branch2491 Dahlia Street, Klamath Falls, OR 97601January 04, 2000Full Service Brick and Mortar
8357353Biddle Branch600 Biddle Road, Medford, OR 97504May 01, 2000Full Service Brick and Mortar
9429990Navigator's Landing Branch891 O'hare Parkway, Medford, OR 97504December 30, 2003Full Service Brick and Mortar
10430000Bend Lpo Branch250 Nw Franklin Ave, Suite 101, Bend, OR 97701December 01, 2003Limited Service Loan Production
11440831Redmond Branch855 Sw Veterans Way, Redmond, OR 97756May 11, 2005Full Service Brick and Mortar
12442003Bluff Branch572 Sw Bluff Drive, Suite 120, Bend, OR 97702October 01, 2004Full Service Brick and Mortar
13445525Purcell Branch735 Ne Purcell Blvd, Bend, OR 97701October 25, 2005Full Service Brick and Mortar
14451665White City Branch2323 Avenue H, White City, OR 97503June 05, 2006Full Service Brick and Mortar
15456872Prineville Branch1570 Ne 3rd Street, Prineville, OR 97754December 04, 2006Full Service Brick and Mortar
16478471Washburn Branch3808 Brooke Drive, Klamath Falls, OR 97601October 22, 2007Full Service Brick and Mortar
17478472Sisters Branch610 N Arrowleaf Trail, Sisters, OR 97759May 05, 2008Full Service Brick and Mortar
18478473Madras Branch910 Sw Hwy 97, Suite 204, Madras, OR 97741June 02, 2008Full Service Brick and Mortar
19492902Hillcrest Branch3220 Hillcrest Road, Suite F, Medford, OR 97504December 08, 2008Full Service Brick and Mortar
20492903Shasta Branch1613 Washburn Way, Klamath Falls, OR 97603August 04, 2008Full Service Brick and Mortar
21492904Talent Branch116 W Valley View Rd, Talent, OR 97540November 24, 2008Full Service Brick and Mortar
2216240Cave Junction Branch135 South Redwood Highway, Cave Junction, OR 97523August 15, 1980Full Service Brick and Mortar
23256010Parkway Branch1532 Northeast 'f' Street, Grants Pass, OR 97526March 01, 1994Full Service Brick and Mortar
24256011Towne Centre Office110 Sw 4th Street, Grants Pass, OR 97526December 21, 1998Full Service Brick and Mortar
25431708South River Branch290 Union Ave, Grants Pass, OR 97526January 01, 2004Full Service Brick and Mortar
26479186North Valley Branch5080 Monument Drive, Grants Pass, OR 97526July 23, 2007Full Service Brick and Mortar
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