FDIC Certificate #: 58428 Status: Active Federal Reserve ID: 3489071 Date Established: December 15, 2006 WWW:http://www.lewisandclarkbank.com 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 #: 451438 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: December 15, 2006 Last Structure Change Effective Date: December 02, 2008 Last Structure Change Process Date: December 02, 2008 Last Data Update: December 02, 2008 Data Source Date: April 05, 2012
Location
Address: 1900 Mcloughlin Blvd Ste 67, Oregon City, OR 97045 County: Clackamas 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): Portland-Vancouver, OR-WA (#6440) Consolidated Metropolitan Statistical Area (CMSA): Portland-Salem, OR-WA (#79) Core Based Statistical Area (CBSA): Portland-Vancouver-Hillsboro, OR-WA (#38900) CBSA Metro Statistical Area: Portland-Vancouver-Hillsboro, OR-WA (#38900)
History of Changes
Corrections
Financial Summary
Total assets: $120.5 mil Equity capital: $13.5 mil Deposits held in domestic offices: $106.4 mil Return on assets (ROA): 0.31% ($0.4 mil) Quarterly return on assets: 0.20% ($0.2 mil) Return on Equity (ROE): 2.84% ($0.4 mil) Quarterly return on equity: 1.85% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.55% ($662.7 mil) Quarterly Pretax return on assets: 0.37% ($445.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$120,488Total assets
$21,000Cash and due from depository institutions
$20,582Interest-bearing balances
$15,954Securities
$0Federal funds sold & reverse repurchase agreements
$76,388Net loans & leases
$1,621Loan loss allowance
$0Trading account assets
$1,358Bank premises and fixed assets
$2,183Other real estate owned
$4Goodwill and other intangibles
$120,488Life insurance assets
$3,601All other assets
$106,979Total liabilities and capital
$106,390Total liabilities
$101,933Total deposits
$106,390Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$589Subordinated debt
$13,509All other liabilities
$13,509Total equity capital
$13,509Total bank equity capital
$0Perpetual preferred stock
$13,808Common stock
$1,014Surplus
$-1,313Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,433Income earned, not collected on loans
$0Earning assets
$395Long-term assets (5+ years)
$112,924Average Assets, year-to-date
$16,180Average Assets, quarterly
$122,132Volatile liabilities
$121,526Insider loans
$76,141FHLB advances
$122,657Loans and leases held for sale
$38Unused loan commitments
$38Tier 1 (core) risk-based capital
$13,409Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,106Restructured Loans and leases
$378Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,098Total interest income
$1,486Total interest expense
$4,612Net interest income
$0Provision for loan and lease losses
$90Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$75Additional noninterest income
$4,131Total noninterest expense
$2,248Salaries and employee benefits
$275Premises and equipment expense
$1,608Additional noninterest expense
$571Pre-tax net operating income
$103Securities gains (losses)
$300Applicable income taxes
$374Income before extraordinary items
$0Extraordinary gains - net
$374Net income attributable to bank
$0Net charge-offs
$374Cash dividends
$92Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.32%Yield on earning assets
1.30%Cost of funding earning assets
4.02%Net interest margin
0.08%Noninterest income to earning assets
3.60%Noninterest expense to earning assets
0.25%Net operating income to assets
0.31%Return on assets (ROA)
0.55%Pretax return on assets
2.84%Return on equity (ROE)
2.84%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
6.21%Efficiency ratio
87,856Assets per employee
6.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.08%Loss allowance to noncurrent loans
66.63%Noncurrent assets plus other real estate owned to assets
3.83%Noncurrent loans to loans
3.12%Net loans and leases to deposits
71.80%Net loans and leases to core deposits
76.69%Equity capital to assets
11.21%Core capital (leverage) ratio
10.93%Tier 1 risk-based capital ratio
17.61%Total risk-based capital ratio
Memoranda
$19Average assets
$122,132Average earning assets
$13,164Average equity
$114,619Average loans
List of branches
1 Oregon Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
451438
Lewis & Clark Bank
1900 Mcloughlin Blvd Ste 67, Oregon City, OR 97045
December 15, 2006
Full Service Brick and Mortar
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