FDIC Certificate #: 8681 Status: Active Federal Reserve ID: 519874 Date Established: January 01, 1908 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5532 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: January 01, 1934 Last Structure Change Effective Date: December 28, 2010 Last Structure Change Process Date: December 28, 2010 Last Data Update: December 28, 2010 Data Source Date: April 05, 2012
Location
Address: E 6 Front St, Saint John, WA 99171 County: Whitman 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 Core Based Statistical Area (CBSA): Pullman, WA (#39420) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $48.7 mil Equity capital: $4.2 mil Deposits held in domestic offices: $44.4 mil Return on assets (ROA): 0.79% ($0.4 mil) Quarterly return on assets: 0.08% ($0.0 mil) Return on Equity (ROE): 8.62% ($0.3 mil) Quarterly return on equity: 0.92% ($0.0 mil) Net income: $0.4 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.13% ($550.8 mil) Quarterly Pretax return on assets: 0.28% ($136.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$48,740Total assets
$10,812Cash and due from depository institutions
$0Interest-bearing balances
$31,533Securities
$0Federal funds sold & reverse repurchase agreements
$6,003Net loans & leases
$141Loan loss allowance
$0Trading account assets
$19Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$48,740Life insurance assets
$373All other assets
$44,496Total liabilities and capital
$44,352Total liabilities
$32,217Total deposits
$44,352Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$144Subordinated debt
$4,244All other liabilities
$4,244Total equity capital
$4,244Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$1,000Surplus
$3,194Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$315Long-term assets (5+ years)
$37,536Average Assets, year-to-date
$9,294Average Assets, quarterly
$46,874Volatile liabilities
$47,908Insider loans
$14,660FHLB advances
$48,347Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,204Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$149Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,370Total interest income
$249Total interest expense
$1,121Net interest income
$65Provision for loan and lease losses
$2Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$2Additional noninterest income
$526Total noninterest expense
$290Salaries and employee benefits
$29Premises and equipment expense
$207Additional noninterest expense
$532Pre-tax net operating income
$0Securities gains (losses)
$162Applicable income taxes
$370Income before extraordinary items
$0Extraordinary gains - net
$370Net income attributable to bank
$0Net charge-offs
$370Cash dividends
$19Sale, conversion, retirement of capital stock, net
$75Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.86%Yield on earning assets
0.70%Cost of funding earning assets
3.16%Net interest margin
0.01%Noninterest income to earning assets
1.48%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
1.13%Pretax return on assets
8.62%Return on equity (ROE)
6.87%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
342.11%Credit loss provision to net charge-offs
31.42%Efficiency ratio
46,839Assets per employee
12.19%Cash dividends to net income (YTD only)
Condition Ratios (%)
20.27%Loss allowance to loans
2.29%Loss allowance to noncurrent loans
14100.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.02%Net loans and leases to deposits
13.53%Net loans and leases to core deposits
13.53%Equity capital to assets
8.71%Core capital (leverage) ratio
8.70%Tier 1 risk-based capital ratio
28.68%Total risk-based capital ratio
Memoranda
$30Average assets
$46,874Average earning assets
$4,293Average equity
$35,527Average loans
List of branches
1 Washington Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5532
Lamont Bank Of St. John
E 6 Front St, Saint John, WA 99171
January 01, 1908
Full Service Brick and Mortar
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