Yakima Federal Savings and Loan Association in Yakima, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Yakima Federal Savings and Loan Association in Yakima, Washington (WA)
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Yakima Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28116
    Status: Active
    Federal Reserve ID: 809771
    Date Established: January 01, 1905
    WWW: http://www.yakimafed.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 921
    FDIC's unique #: 40950
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 05, 1934
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 East Yakima Ave, Yakima, WA 98901
    County: Yakima
    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
    Metropolitan Statistical Area (MSA): Yakima, WA (#9260)
    Core Based Statistical Area (CBSA): Yakima, WA (#49420)
    CBSA Metro Statistical Area: Yakima, WA (#49420)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,754.4 mil
    Equity capital: $333.3 mil
    Deposits held in domestic offices: $1,384.6 mil
    Return on assets (ROA): 1.52% ($26.7 mil)
    Quarterly return on assets: 1.57% ($27.5 mil)
    Return on Equity (ROE): 8.19% ($27.3 mil)
    Quarterly return on equity: 8.28% ($27.6 mil)
    Net income: $26.2 mil
    Quarterly Net income: $6.8 mil
    Pretax return on assets: 2.28% ($40,001.3 mil)
    Quarterly Pretax return on assets: 2.10% ($36,843.3 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
  • 130Total employees (full-time equivalent)
  • $1,754,441Total assets
  • $101,072Cash and due from depository institutions
  • $61,249Interest-bearing balances
  • $888,453Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $669,163Net loans & leases
  • $2,546Loan loss allowance
  • $0Trading account assets
  • $10,070Bank premises and fixed assets
  • $702Other real estate owned
  • $0Goodwill and other intangibles
  • $1,754,441Life insurance assets
  • $84,981All other assets
  • $1,421,115Total liabilities and capital
  • $1,384,601Total liabilities
  • $1,367,461Total deposits
  • $1,384,601Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,470Trading liabilities
  • $0Other borrowed funds
  • $26,044Subordinated debt
  • $333,326All other liabilities
  • $333,326Total equity capital
  • $333,326Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $333,326Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,308Income earned, not collected on loans
  • $709Earning assets
  • $6,254Long-term assets (5+ years)
  • $1,618,865Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,720,761Volatile liabilities
  • $1,735,779Insider loans
  • $659,848FHLB advances
  • $1,743,291Loans and leases held for sale
  • $59,931Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $326,078Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,045Restructured Loans and leases
  • $1,803Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $74,502Total interest income
  • $17,070Total interest expense
  • $57,432Net interest income
  • $180Provision for loan and lease losses
  • $3,574Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,574Additional noninterest income
  • $21,618Total noninterest expense
  • $13,580Salaries and employee benefits
  • $2,653Premises and equipment expense
  • $5,385Additional noninterest expense
  • $39,208Pre-tax net operating income
  • $0Securities gains (losses)
  • $12,971Applicable income taxes
  • $26,237Income before extraordinary items
  • $0Extraordinary gains - net
  • $26,237Net income attributable to bank
  • $0Net charge-offs
  • $26,237Cash dividends
  • $113Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 1.35%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 2.28%Pretax return on assets
  • 8.19%Return on equity (ROE)
  • 8.19%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 159.29%Credit loss provision to net charge-offs
  • 348.57%Efficiency ratio
  • 35,436Assets per employee
  • 13.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.38%Loss allowance to noncurrent loans
  • 110.31%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 48.33%Net loans and leases to core deposits
  • 55.21%Equity capital to assets
  • 19.00%Core capital (leverage) ratio
  • 18.70%Tier 1 risk-based capital ratio
  • 49.42%Total risk-based capital ratio
  • Memoranda
  • $50Average assets
  • $1,720,761Average earning assets
  • $320,165Average equity
  • $1,601,654Average loans

List of branches

  • 10 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040950Yakima Federal Savings And Loan Asso118 East Yakima Ave, Yakima, WA 98901January 01, 1905Full Service Brick and Mortar
    2265128Pasco Branch3604 West Court, Pasco, WA 99301January 01, 1905Full Service Brick and Mortar
    3265129Ellensburg Branch5th & Pine, Ellensburg, WA 98926January 01, 1905Full Service Brick and Mortar
    4265130Sunnyside Branch801 E Edson, Sunnyside, WA 98944January 01, 1905Full Service Brick and Mortar
    5265131Richland Branch1007 Jadwin, Richland, WA 99352January 01, 1905Full Service Brick and Mortar
    6265132Prosser Branch601 Market Street, Prosser, WA 99350January 01, 1905Full Service Brick and Mortar
    7265133Stadium Branch3910 Tieton Drive, Yakima, WA 98902January 01, 1905Full Service Brick and Mortar
    100265134Kennewick Branch3350 West Clearwater, Kennewick, WA 99336January 01, 1905Full Service Brick and Mortar
    101265135Yakima Branch7105 Tieton Drive, Yakima, WA 98908October 27, 1994Full Service Brick and Mortar
    102495156West Gage Blvd Branch8908 W. Gage Blvd, Kennewick, WA 99336April 03, 2002Full Service Brick and Mortar

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