The Commerce Bank of Oregon in Portland, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Commerce Bank of Oregon - Overview

  • General
  • FDIC Certificate #: 58223
    Status: Active
    Federal Reserve ID: 3374186
    Bank Holding Company (Regulatory Top Holder): Zions Bancorporation (RSSDID: 1027004, Location: Salt Lake City, UT)
    Date Established: October 26, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 443028
    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: October 26, 2005
    Last Structure Change Effective Date: April 13, 2011
    Last Structure Change Process Date: April 13, 2011
    Last Data Update: April 13, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1211 Sw 5th Avenue, Suite 1250, Portland, OR 97204
    County: Multnomah
    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)
  • Financial Summary
  • Total assets: $73.6 mil
    Equity capital: $14.2 mil
    Deposits held in domestic offices: $58.7 mil
    Return on assets (ROA): 0.01% ($0.0 mil)
    Quarterly return on assets: -0.05% (-$0.0 mil)
    Return on Equity (ROE): 0.05% ($0.0 mil)
    Quarterly return on equity: -0.28% (-$0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.11% ($81.0 mil)
    Quarterly Pretax return on assets: -0.02% (-$14.7 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
  • 18Total employees (full-time equivalent)
  • $73,620Total assets
  • $2,806Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,114Securities
  • $2,108Federal funds sold & reverse repurchase agreements
  • $62,484Net loans & leases
  • $1,557Loan loss allowance
  • $308Trading account assets
  • $124Bank premises and fixed assets
  • $57Other real estate owned
  • $1,000Goodwill and other intangibles
  • $73,620Life insurance assets
  • $1,619All other assets
  • $59,408Total liabilities and capital
  • $58,738Total liabilities
  • $44,341Total deposits
  • $58,738Interest-bearing deposits
  • $61Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $310Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $360Subordinated debt
  • $14,212All other liabilities
  • $14,212Total equity capital
  • $14,212Total bank equity capital
  • $0Perpetual preferred stock
  • $20,714Common stock
  • $594Surplus
  • $-7,096Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $687Income earned, not collected on loans
  • $0Earning assets
  • $285Long-term assets (5+ years)
  • $68,014Average Assets, year-to-date
  • $24,997Average Assets, quarterly
  • $69,931Volatile liabilities
  • $72,729Insider loans
  • $68,726FHLB advances
  • $71,886Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,196Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,932Restructured Loans and leases
  • $2,095Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,343Total interest income
  • $188Total interest expense
  • $3,155Net interest income
  • $60Provision for loan and lease losses
  • $420Total noninterest income
  • $0Fiduciary activities
  • $282Service charges on deposit accounts
  • $0Trading account gains & fees
  • $138Additional noninterest income
  • $3,436Total noninterest expense
  • $2,191Salaries and employee benefits
  • $342Premises and equipment expense
  • $903Additional noninterest expense
  • $79Pre-tax net operating income
  • $0Securities gains (losses)
  • $72Applicable income taxes
  • $7Income before extraordinary items
  • $0Extraordinary gains - net
  • $7Net income attributable to bank
  • $0Net charge-offs
  • $7Cash dividends
  • $72Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 4.89%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 5.33%Noninterest expense to earning assets
  • 0.01%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 0.05%Return on equity (ROE)
  • 0.05%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 83.33%Credit loss provision to net charge-offs
  • 1.93%Efficiency ratio
  • 96,112Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.43%Loss allowance to noncurrent loans
  • 226.64%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 106.38%Net loans and leases to core deposits
  • 110.69%Equity capital to assets
  • 19.30%Core capital (leverage) ratio
  • 16.97%Tier 1 risk-based capital ratio
  • 17.75%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $69,931Average earning assets
  • $14,174Average equity
  • $64,470Average loans

List of branches

  • 1 Oregon Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0443028The Commerce Bank Of Oregon1211 Sw 5th Avenue, Suite 1250, Portland, OR 97204October 26, 2005Full Service Brick and Mortar

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