Jackson County Federal Bank, A Federal Savings Bank in Medford, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1993

Jackson County Federal Bank, A Federal Savings Bank in Medford, Oregon (OR)
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Jackson County Federal Bank, A Federal Savings Bank - Overview

General
FDIC Certificate #: 28323
Status: Inactive
Closing history: Corrections
Acquiring institution: KeyBank National Association (#9477)
Federal Reserve ID: 265779
Date Established: January 01, 1909
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 1371
FDIC's unique #: 41157
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: No
Date of Deposit Insurance: July 08, 1937
Last Structure Change Effective Date: December 31, 1993
Last Structure Change Process Date: Febuary 10, 1994
Last Data Update: March 10, 1995
Data Source Date: April 05, 2012
Location
Address: 2 East Main Street, Medford, OR 97501
County: Jackson
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): Medford-Ashland, OR (#4890)
Core Based Statistical Area (CBSA): Medford, OR (#32780)
CBSA Metro Statistical Area: Medford, OR (#32780)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $353.3 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$132Total assets
$351,184Cash and due from depository institutions
$10,178Interest-bearing balances
$4,642Securities
$123,127Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$199,385Loan loss allowance
$1,395Trading account assets
$0Bank premises and fixed assets
$8,594Other real estate owned
$214Goodwill and other intangibles
$6,745Life insurance assets
$2,941All other assets
$0Total liabilities and capital
$351,184Total liabilities
$327,042Total deposits
$324,717Interest-bearing deposits
$315,537Deposits held in domestic offices
324717.00%% insured (estimated)
$92Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$388All other liabilities
$1,937Total equity capital
$1,937Total bank equity capital
$24,142Perpetual preferred stock
$1,315Common stock
$1,409Surplus
$7,217Undivided profits
Memoranda
$14,201Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$762Income earned, not collected on loans
$1,230Earning assets
$327,154Long-term assets (5+ years)
$0Average Assets, year-to-date
$341,151Average Assets, quarterly
$348,322Volatile liabilities
$48,526Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$16,956Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$23,570Total risk weighted assets
$157,390Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$26,801Total interest expense
$15,108Net interest income
$11,693Provision for loan and lease losses
-$900Total noninterest income
$3,754Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$3,754Total noninterest expense
$7,807Salaries and employee benefits
$3,806Premises and equipment expense
$1,114Additional noninterest expense
$2,887Pre-tax net operating income
$8,540Securities gains (losses)
$718Applicable income taxes
$1,632Income before extraordinary items
$7,626Extraordinary gains - net
$1,632Net income attributable to bank
$9,258Net charge-offs
-$58Cash dividends
$710Sale, conversion, retirement of capital stock, net
$25Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.45%Cost of funding earning assets
4.76%Net interest margin
3.69%Noninterest income to earning assets
1.18%Noninterest expense to earning assets
2.46%Net operating income to assets
2.06%Return on assets (ROA)
2.71%Pretax return on assets
3.19%Return on equity (ROE)
47.80%Retained earnings to average equity (YTD only)
44.13%Net charge-offs to loans
-0.03%Credit loss provision to net charge-offs
1551.72%Efficiency ratio
48,624Assets per employee
2.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
7.67%Loss allowance to loans
0.69%Loss allowance to noncurrent loans
183.07%Noncurrent assets plus other real estate owned to assets
0.28%Noncurrent loans to loans
0.38%Net loans and leases to deposits
61.40%Net loans and leases to core deposits
72.19%Equity capital to assets
6.87%Core capital (leverage) ratio
6.74%Tier 1 risk-based capital ratio
14.98%Total risk-based capital ratio
Memoranda
$16Average assets
$341,151Average earning assets
$19,368Average equity
$317,230Average loans

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