Yakima National Bank in Yakima, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Yakima National Bank in Yakima, Washington (WA)
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Yakima National Bank - Overview

  • General
  • FDIC Certificate #: 34402
    Status: Active
    Federal Reserve ID: 2599478
    Bank Holding Company (Regulatory Top Holder): Ynb Financial Services Corp. (RSSDID: 3030914, Location: Yakima, WA)
    Date Established: August 04, 1997
    WWW: http://www.yakimanationalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15409
    FDIC's unique #: 57165
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 04, 1997
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 601 West Walnut Avenue, Yakima, WA 98902
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $117.7 mil
    Equity capital: $9.9 mil
    Deposits held in domestic offices: $106.9 mil
    Return on assets (ROA): -0.07% (-$0.1 mil)
    Quarterly return on assets: 0.19% ($0.2 mil)
    Return on Equity (ROE): -0.81% (-$0.1 mil)
    Quarterly return on equity: 2.17% ($0.2 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.24% (-$282.6 mil)
    Quarterly Pretax return on assets: 0.24% ($282.6 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
  • 35Total employees (full-time equivalent)
  • $117,743Total assets
  • $34,630Cash and due from depository institutions
  • $33,894Interest-bearing balances
  • $3,661Securities
  • $21Federal funds sold & reverse repurchase agreements
  • $73,286Net loans & leases
  • $1,372Loan loss allowance
  • $0Trading account assets
  • $2,296Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $117,743Life insurance assets
  • $3,849All other assets
  • $107,812Total liabilities and capital
  • $106,945Total liabilities
  • $76,703Total deposits
  • $106,945Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $867Subordinated debt
  • $9,931All other liabilities
  • $9,931Total equity capital
  • $9,931Total bank equity capital
  • $0Perpetual preferred stock
  • $2,101Common stock
  • $5,474Surplus
  • $2,356Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,236Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,353Income earned, not collected on loans
  • $0Earning assets
  • $293Long-term assets (5+ years)
  • $110,862Average Assets, year-to-date
  • $16,099Average Assets, quarterly
  • $114,329Volatile liabilities
  • $115,605Insider loans
  • $79,211FHLB advances
  • $115,613Loans and leases held for sale
  • $2,141Unused loan commitments
  • $2,141Tier 1 (core) risk-based capital
  • $9,929Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,577Restructured Loans and leases
  • $2,692Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,829Total interest income
  • $989Total interest expense
  • $3,840Net interest income
  • $252Provision for loan and lease losses
  • $523Total noninterest income
  • $0Fiduciary activities
  • $174Service charges on deposit accounts
  • $0Trading account gains & fees
  • $349Additional noninterest income
  • $4,384Total noninterest expense
  • $2,643Salaries and employee benefits
  • $369Premises and equipment expense
  • $1,372Additional noninterest expense
  • -$273Pre-tax net operating income
  • $0Securities gains (losses)
  • -$192Applicable income taxes
  • -$81Income before extraordinary items
  • $0Extraordinary gains - net
  • -$81Net income attributable to bank
  • $0Net charge-offs
  • -$81Cash dividends
  • $78Sale, conversion, retirement of capital stock, net
  • $213Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • -0.07%Net operating income to assets
  • -0.07%Return on assets (ROA)
  • -0.24%Pretax return on assets
  • -0.81%Return on equity (ROE)
  • -2.93%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 323.08%Credit loss provision to net charge-offs
  • -0.27%Efficiency ratio
  • 100,481Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -262.96%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 101.40%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 68.53%Net loans and leases to core deposits
  • 79.67%Equity capital to assets
  • 8.43%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 12.53%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $114,329Average earning assets
  • $10,034Average equity
  • $107,319Average loans

List of branches

  • 4 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057165Yakima National Bank601 West Walnut Avenue, Yakima, WA 98902August 04, 1997Full Service Brick and Mortar
    1290612Yakima National Bank Courier Branch601 West Walnut, Yakima, WA 98902May 20, 1998Limited Service Messenger
    2443013Yakima National Bank Selah Branch108 W Fremont, Selah, WA 98942December 06, 2000Full Service Brick and Mortar
    3518702Sunnyside Branch1820 Yakima Valley Highway, Suite B, Sunnyside, WA 98944March 01, 2011Full Service Brick and Mortar

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