McKenzie State Bank in Springfield, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2001

McKenzie State Bank in Springfield, Oregon (OR)
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McKenzie State Bank - Overview

General
FDIC Certificate #: 34740
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Umpqua Bank (#17266)
Federal Reserve ID: 2697619
Date Established: November 16, 1998
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 61424
Numeric code: 13
Regulator: FED
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: November 16, 1998
Last Structure Change Effective Date: December 31, 2001
Last Structure Change Process Date: Febuary 05, 2002
Last Data Update: Febuary 05, 2002
Data Source Date: April 05, 2012
Location
Address: 5251 Main Street, Springfield, OR 97478
County: Lane
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): Eugene-Springfield, OR (#2400)
Core Based Statistical Area (CBSA): Eugene-Springfield, OR (#21660)
CBSA Metro Statistical Area: Eugene-Springfield, OR (#21660)
Financial Summary
Total assets: $31.8 mil

1992 - 1999 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, 2000)

Dollar figures in thousands
9Total employees (full-time equivalent)
$24,602Total assets
$989Cash and due from depository institutions
$7Interest-bearing balances
$4,416Securities
$1,075Federal funds sold & reverse repurchase agreements
$16,109Net loans & leases
$173Loan loss allowance
$0Trading account assets
$1,676Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$337All other assets
$24,602Total liabilities and capital
$20,846Total liabilities
$20,446Total deposits
$16,698Interest-bearing deposits
$20,446Deposits held in domestic offices
0.00%% insured (estimated)
$227Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$173All other liabilities
$3,756Total equity capital
$3,756Total bank equity capital
$3,756Perpetual preferred stock
$0Common stock
$3,960Surplus
$0Undivided profits
Memoranda
$-204Noncurrent loans and leases
$3,345Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$30Earning assets
$0Long-term assets (5+ years)
$108Average Assets, year-to-date
$21,607Average Assets, quarterly
$2,857Volatile liabilities
$21,377Insider loans
$24,134FHLB advances
$5,352Loans and leases held for sale
$1,632Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,345Total unused commitments
$0Restructured Loans and leases
$173Derivatives

Income and Expense (December 31, 2000)

Dollar figures in thousands
$1,819Total interest income
$775Total interest expense
$1,044Net interest income
$80Provision for loan and lease losses
$95Total noninterest income
$0Fiduciary activities
$46Service charges on deposit accounts
$0Trading account gains & fees
$49Additional noninterest income
$947Total noninterest expense
$443Salaries and employee benefits
$149Premises and equipment expense
$355Additional noninterest expense
$112Pre-tax net operating income
$0Securities gains (losses)
-$5Applicable income taxes
$117Income before extraordinary items
$0Extraordinary gains - net
$117Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2000)

Dollar figures in thousands
Performance Ratios (%, annualized)
9.91%Yield on earning assets
4.22%Cost of funding earning assets
5.69%Net interest margin
0.52%Noninterest income to earning assets
5.16%Noninterest expense to earning assets
0.55%Net operating income to assets
0.55%Return on assets (ROA)
0.52%Pretax return on assets
3.22%Return on equity (ROE)
3.22%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
83,143Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
576.67%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.18%Net loans and leases to deposits
78.79%Net loans and leases to core deposits
105.14%Equity capital to assets
15.27%Core capital (leverage) ratio
14.62%Tier 1 risk-based capital ratio
19.15%Total risk-based capital ratio
Memoranda
$20Average assets
$21,377Average earning assets
$3,636Average equity
$18,362Average loans

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