The San Juan County Bank in Friday Harbor, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 15, 1993

  • The San Juan County Bank in Friday Harbor, Washington (WA)
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The San Juan County Bank - Overview

  • General
  • FDIC Certificate #: 13234
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: KeyBank National Association (#11979)
    Federal Reserve ID: 539573
    Date Established: January 01, 1893
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 8371
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 15, 1993
    Last Structure Change Process Date: January 26, 1993
    Last Data Update: October 11, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 Second Street, Friday Harbor, WA 98250
    County: San Juan
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Seattle
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $109.9 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $58Total assets
  • $109,916Cash and due from depository institutions
  • $5,907Interest-bearing balances
  • $50Securities
  • $13,079Federal funds sold & reverse repurchase agreements
  • $3,500Net loans & leases
  • $83,800Loan loss allowance
  • $1,094Trading account assets
  • $0Bank premises and fixed assets
  • $2,386Other real estate owned
  • $0Goodwill and other intangibles
  • $1,244Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $109,916Total liabilities
  • $99,364Total deposits
  • $98,824Interest-bearing deposits
  • $84,107Deposits held in domestic offices
  • 98824.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $177Trading liabilities
  • $0Other borrowed funds
  • $153Subordinated debt
  • $0All other liabilities
  • $210Total equity capital
  • $210Total bank equity capital
  • $10,552Perpetual preferred stock
  • $0Common stock
  • $931Surplus
  • $2,353Undivided profits
  • Memoranda
  • $7,268Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $506Income earned, not collected on loans
  • $511Earning assets
  • $100,429Long-term assets (5+ years)
  • $1,728Average Assets, year-to-date
  • $111,384Average Assets, quarterly
  • $112,897Volatile liabilities
  • $14,155Insider loans
  • $241FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,885Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,552Total risk weighted assets
  • $70,725Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,328Total interest expense
  • $3,524Net interest income
  • $5,804Provision for loan and lease losses
  • $952Total noninterest income
  • $686Fiduciary activities
  • $0Service charges on deposit accounts
  • $550Trading account gains & fees
  • $0Additional noninterest income
  • $136Total noninterest expense
  • $3,166Salaries and employee benefits
  • $1,642Premises and equipment expense
  • $376Additional noninterest expense
  • $1,148Pre-tax net operating income
  • $2,372Securities gains (losses)
  • $3Applicable income taxes
  • $655Income before extraordinary items
  • $1,720Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,720Net charge-offs
  • $1,189Cash dividends
  • $785Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.19%Cost of funding earning assets
  • 3.47%Net interest margin
  • 5.72%Noninterest income to earning assets
  • 0.68%Noninterest expense to earning assets
  • 3.12%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 2.13%Return on equity (ROE)
  • 16.75%Retained earnings to average equity (YTD only)
  • 9.10%Net charge-offs to loans
  • 1.42%Credit loss provision to net charge-offs
  • 80.07%Efficiency ratio
  • 48,783Assets per employee
  • 1.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.64%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 216.21%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 84.80%Net loans and leases to core deposits
  • 98.77%Equity capital to assets
  • 9.60%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 14.92%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $111,384Average earning assets
  • $10,271Average equity
  • $101,499Average loans

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