Juniper Banking Company in Madras, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 03, 1995

Juniper Banking Company in Madras, Oregon (OR)
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Juniper Banking Company - Overview

General
FDIC Certificate #: 22763
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Columbia River Bank (#22469)
Federal Reserve ID: 725264
Date Established: December 04, 1978
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 15894
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: December 04, 1978
Last Structure Change Effective Date: January 03, 1995
Last Structure Change Process Date: Febuary 27, 1995
Last Data Update: Febuary 27, 1995
Data Source Date: April 05, 2012
Location
Address: 624 Southwest Fourth Street, Madras, OR 97741
County: Jefferson
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
Financial Summary
Total assets: $30.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$22Total assets
$30,836Cash and due from depository institutions
$2,955Interest-bearing balances
$0Securities
$8,372Federal funds sold & reverse repurchase agreements
$823Net loans & leases
$17,079Loan loss allowance
$183Trading account assets
$0Bank premises and fixed assets
$1,134Other real estate owned
$0Goodwill and other intangibles
$473Life insurance assets
$0All other assets
$0Total liabilities and capital
$30,836Total liabilities
$28,242Total deposits
$27,864Interest-bearing deposits
$20,253Deposits held in domestic offices
27864.00%% insured (estimated)
$86Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$69Subordinated debt
$0All other liabilities
$309Total equity capital
$309Total bank equity capital
$2,594Perpetual preferred stock
$0Common stock
$902Surplus
$1,475Undivided profits
Memoranda
$217Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3Income earned, not collected on loans
$154Earning assets
$26,274Long-term assets (5+ years)
$1,101Average Assets, year-to-date
$31,658Average Assets, quarterly
$31,471Volatile liabilities
$1,618Insider loans
$94FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$4,326Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,616Total risk weighted assets
$20,006Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,171Total interest expense
$517Net interest income
$1,654Provision for loan and lease losses
$87Total noninterest income
$472Fiduciary activities
$0Service charges on deposit accounts
$325Trading account gains & fees
$0Additional noninterest income
$147Total noninterest expense
$1,605Salaries and employee benefits
$757Premises and equipment expense
$188Additional noninterest expense
$660Pre-tax net operating income
$434Securities gains (losses)
$1Applicable income taxes
$196Income before extraordinary items
$239Extraordinary gains - net
$0Net income attributable to bank
$239Net charge-offs
$63Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.08%Cost of funding earning assets
1.92%Net interest margin
6.15%Noninterest income to earning assets
1.76%Noninterest expense to earning assets
5.97%Net operating income to assets
0.75%Return on assets (ROA)
0.75%Pretax return on assets
1.37%Return on equity (ROE)
9.44%Retained earnings to average equity (YTD only)
9.44%Net charge-offs to loans
0.38%Credit loss provision to net charge-offs
138.10%Efficiency ratio
75,494Assets per employee
1.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
6100.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
61.29%Net loans and leases to core deposits
65.07%Equity capital to assets
8.41%Core capital (leverage) ratio
8.34%Tier 1 risk-based capital ratio
13.08%Total risk-based capital ratio
Memoranda
$14Average assets
$31,658Average earning assets
$2,531Average equity
$26,875Average loans

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