South Valley Bank & Trust in Klamath Falls, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
    WWW: http://www.southvalleybank.com
    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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total 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
  • 310Total employees (full-time equivalent)
  • $865,235Total assets
  • $143,658Cash and due from depository institutions
  • $116,184Interest-bearing balances
  • $45,569Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $574,775Net loans & leases
  • $10,237Loan loss allowance
  • $0Trading account assets
  • $30,034Bank premises and fixed assets
  • $20,834Other real estate owned
  • $1,147Goodwill and other intangibles
  • $865,235Life insurance assets
  • $49,218All other assets
  • $799,220Total liabilities and capital
  • $771,285Total liabilities
  • $646,631Total deposits
  • $771,285Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 674.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,528Trading liabilities
  • $0Other borrowed funds
  • $1,733Subordinated debt
  • $66,015All other liabilities
  • $66,015Total equity capital
  • $66,015Total bank equity capital
  • $0Perpetual preferred stock
  • $2,697Common stock
  • $30,367Surplus
  • $32,951Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,314Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,812Income earned, not collected on loans
  • $0Earning assets
  • $3,068Long-term assets (5+ years)
  • $736,528Average Assets, year-to-date
  • $220,590Average Assets, quarterly
  • $855,662Volatile liabilities
  • $862,578Insider loans
  • $548,131FHLB advances
  • $860,212Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $61,224Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $95,706Restructured Loans and leases
  • $15,513Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $38,797Total interest income
  • $6,278Total interest expense
  • $32,519Net interest income
  • $14,047Provision for loan and lease losses
  • $6,315Total noninterest income
  • $1,230Fiduciary activities
  • $1,233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,852Additional noninterest income
  • $33,135Total noninterest expense
  • $16,296Salaries and employee benefits
  • $4,230Premises and equipment expense
  • $12,609Additional noninterest expense
  • -$8,348Pre-tax net operating income
  • -$1Securities gains (losses)
  • -$4,124Applicable income taxes
  • -$4,225Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,225Net income attributable to bank
  • $0Net charge-offs
  • -$4,225Cash dividends
  • $14,933Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.46%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 4.55%Noninterest expense to earning assets
  • -0.49%Net operating income to assets
  • -0.49%Return on assets (ROA)
  • -0.98%Pretax return on assets
  • -6.15%Return on equity (ROE)
  • -6.15%Retained earnings to average equity (YTD only)
  • 2.42%Net charge-offs to loans
  • 94.07%Credit loss provision to net charge-offs
  • 0.38%Efficiency ratio
  • 85,299Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 69.11%Noncurrent assets plus other real estate owned to assets
  • 4.12%Noncurrent loans to loans
  • 2.53%Net loans and leases to deposits
  • 74.52%Net loans and leases to core deposits
  • 81.33%Equity capital to assets
  • 7.63%Core capital (leverage) ratio
  • 7.12%Tier 1 risk-based capital ratio
  • 11.17%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $855,662Average earning assets
  • $68,663Average equity
  • $728,676Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $120,076Managed Assets
  • 1Number of Accounts
  • $64,524Personal trust and agency accounts
  • $62,345Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,986Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $193Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 287Number of Accounts
  • $0Personal trust and agency accounts
  • $1,986Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $55,552Other retirement accounts
  • $11,704Corporate trust and agency accounts
  • $2,942Other fiduciary accounts
  • $40,675Fiduciary accounts held in foreign offices

List of branches

  • 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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