FDIC Certificate #: 58183 Status: Active Federal Reserve ID: 3471094 Date Established: September 18, 2006 WWW:http://www.bankreale.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Domestic: 2, Interstate: No) FDIC's unique #: 441416 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: September 18, 2006 Last Structure Change Effective Date: Febuary 23, 2010 Last Structure Change Process Date: Febuary 23, 2010 Last Data Update: Febuary 23, 2010 Data Source Date: April 05, 2012
Location
Address: 5205 Road 68, Pasco, WA 99301 County: Franklin 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): Richland-Kennewick-Pasco, WA (#6740) Core Based Statistical Area (CBSA): Kennewick-Pasco-Richland, WA (#28420) CBSA Metro Statistical Area: Kennewick-Pasco-Richland, WA (#28420)
Financial Summary
Total assets: $47.1 mil Equity capital: $4.0 mil Deposits held in domestic offices: $42.9 mil Return on assets (ROA): 0.12% ($0.1 mil) Quarterly return on assets: 1.20% ($0.6 mil) Return on Equity (ROE): 1.42% ($0.1 mil) Quarterly return on equity: 14.82% ($0.6 mil) Net income: $0.1 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.12% ($56.5 mil) Quarterly Pretax return on assets: 1.20% ($565.1 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
14Total employees (full-time equivalent)
$47,089Total assets
$3,326Cash and due from depository institutions
$1,952Interest-bearing balances
$0Securities
$4,735Federal funds sold & reverse repurchase agreements
$36,887Net loans & leases
$395Loan loss allowance
$0Trading account assets
$1,218Bank premises and fixed assets
$401Other real estate owned
$0Goodwill and other intangibles
$47,089Life insurance assets
$522All other assets
$43,132Total liabilities and capital
$42,947Total liabilities
$33,070Total deposits
$42,947Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$185Subordinated debt
$3,957All other liabilities
$3,957Total equity capital
$3,957Total bank equity capital
$0Perpetual preferred stock
$7,337Common stock
$940Surplus
$-4,320Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$70Income earned, not collected on loans
$0Earning assets
$228Long-term assets (5+ years)
$43,574Average Assets, year-to-date
$14,148Average Assets, quarterly
$44,962Volatile liabilities
$47,492Insider loans
$40,404FHLB advances
$48,881Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,957Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$11,119Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,332Total interest income
$555Total interest expense
$1,777Net interest income
$71Provision for loan and lease losses
$79Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$1,732Total noninterest expense
$528Salaries and employee benefits
$236Premises and equipment expense
$968Additional noninterest expense
$53Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$53Income before extraordinary items
$0Extraordinary gains - net
$53Net income attributable to bank
$0Net charge-offs
$53Cash dividends
$245Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.56%Yield on earning assets
1.32%Cost of funding earning assets
4.23%Net interest margin
0.19%Noninterest income to earning assets
4.13%Noninterest expense to earning assets
0.12%Net operating income to assets
0.12%Return on assets (ROA)
0.12%Pretax return on assets
1.42%Return on equity (ROE)
1.42%Retained earnings to average equity (YTD only)
0.70%Net charge-offs to loans
28.98%Credit loss provision to net charge-offs
0.51%Efficiency ratio
93,319Assets per employee
3.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
564.29%Noncurrent assets plus other real estate owned to assets
1.00%Noncurrent loans to loans
0.19%Net loans and leases to deposits
85.89%Net loans and leases to core deposits
89.10%Equity capital to assets
8.40%Core capital (leverage) ratio
8.10%Tier 1 risk-based capital ratio
9.79%Total risk-based capital ratio
Memoranda
$11Average assets
$44,962Average earning assets
$3,735Average equity
$41,971Average loans
List of branches
2 Washington Branches as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
441416
Bank Reale
5205 Road 68, Pasco, WA 99301
September 18, 2006
Full Service Brick and Mortar
1
456247
Courier Branch
5205 Road 68, Pasco, WA 99301
October 13, 2006
Limited Service Mobile
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