The Bank of Oswego in Lake Oswego, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Oswego - Overview

  • General
  • FDIC Certificate #: 57877
    Status: Active
    Federal Reserve ID: 3308314
    Date Established: December 03, 2004
    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 #: 428784
    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: December 03, 2004
    Last Structure Change Effective Date: June 08, 2009
    Last Structure Change Process Date: June 08, 2009
    Last Data Update: June 08, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 310 North State Street, Suite 218, Lake Oswego, OR 97034
    County: Clackamas
    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): Portland-Vancouver, OR-WA (#6440)
    Consolidated Metropolitan Statistical Area (CMSA): Portland-Salem, OR-WA (#79)
    Core Based Statistical Area (CBSA): Portland-Vancouver-Hillsboro, OR-WA (#38900)
    CBSA Metro Statistical Area: Portland-Vancouver-Hillsboro, OR-WA (#38900)
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $163.6 mil
    Equity capital: $14.2 mil
    Deposits held in domestic offices: $147.2 mil
    Return on assets (ROA): 0.55% ($0.9 mil)
    Quarterly return on assets: 0.63% ($1.0 mil)
    Return on Equity (ROE): 6.90% ($1.0 mil)
    Quarterly return on equity: 7.41% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.89% ($1,456.3 mil)
    Quarterly Pretax return on assets: 1.03% ($1,685.4 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
  • 30Total employees (full-time equivalent)
  • $163,630Total assets
  • $30,159Cash and due from depository institutions
  • $14,002Interest-bearing balances
  • $3,006Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $126,281Net loans & leases
  • $1,999Loan loss allowance
  • $0Trading account assets
  • $1,415Bank premises and fixed assets
  • $68Other real estate owned
  • $0Goodwill and other intangibles
  • $163,630Life insurance assets
  • $2,701All other assets
  • $149,472Total liabilities and capital
  • $147,181Total liabilities
  • $127,296Total deposits
  • $147,181Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 1669.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $622Subordinated debt
  • $14,158All other liabilities
  • $14,158Total equity capital
  • $14,158Total bank equity capital
  • $0Perpetual preferred stock
  • $1,524Common stock
  • $14,306Surplus
  • $-1,672Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $177Income earned, not collected on loans
  • $0Earning assets
  • $531Long-term assets (5+ years)
  • $143,289Average Assets, year-to-date
  • $8,084Average Assets, quarterly
  • $171,020Volatile liabilities
  • $164,375Insider loans
  • $119,823FHLB advances
  • $163,973Loans and leases held for sale
  • $754Unused loan commitments
  • $754Tier 1 (core) risk-based capital
  • $14,153Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,890Restructured Loans and leases
  • $4,162Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,528Total interest income
  • $1,484Total interest expense
  • $7,044Net interest income
  • $880Provision for loan and lease losses
  • $451Total noninterest income
  • $0Fiduciary activities
  • $181Service charges on deposit accounts
  • $0Trading account gains & fees
  • $270Additional noninterest income
  • $5,089Total noninterest expense
  • $2,767Salaries and employee benefits
  • $670Premises and equipment expense
  • $1,652Additional noninterest expense
  • $1,526Pre-tax net operating income
  • $0Securities gains (losses)
  • $587Applicable income taxes
  • $939Income before extraordinary items
  • $0Extraordinary gains - net
  • $939Net income attributable to bank
  • $0Net charge-offs
  • $939Cash dividends
  • $877Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.86%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.84%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 6.90%Return on equity (ROE)
  • 6.90%Retained earnings to average equity (YTD only)
  • 0.70%Net charge-offs to loans
  • 100.34%Credit loss provision to net charge-offs
  • 2.74%Efficiency ratio
  • 67,899Assets per employee
  • 5.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 1129.38%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 85.80%Net loans and leases to core deposits
  • 89.30%Equity capital to assets
  • 8.65%Core capital (leverage) ratio
  • 8.63%Tier 1 risk-based capital ratio
  • 11.81%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $171,020Average earning assets
  • $13,617Average equity
  • $145,547Average loans

List of branches

  • 3 Oregon Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0428784The Bank Of Oswego310 North State Street, Suite 218, Lake Oswego, OR 97034December 03, 2004Full Service Brick and Mortar
    1442618Courier Service310 North State Street, Suite 218, Lake Oswego, OR 97034January 10, 2005Limited Service Mobile
    2456871Mercantile Drive Branch3970 Sw Mercantile Drive, Suite 105, Lake Oswego, OR 97035November 15, 2006Full Service Brick and Mortar

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