Raymond Federal Bank in Raymond, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Raymond Federal Bank in Raymond, Washington (WA)
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Raymond Federal Bank - Overview

  • General
  • FDIC Certificate #: 28266
    Status: Active
    Federal Reserve ID: 768476
    Date Established: January 01, 1925
    WWW: http://www.raymondfederalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 1265
    FDIC's unique #: 41100
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 05, 1934
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 Duryea St, Raymond, WA 98577
    County: Pacific
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $57.1 mil
    Equity capital: $5.4 mil
    Deposits held in domestic offices: $49.2 mil
    Return on assets (ROA): 0.21% ($0.1 mil)
    Quarterly return on assets: 0.29% ($0.2 mil)
    Return on Equity (ROE): 2.30% ($0.1 mil)
    Quarterly return on equity: 3.02% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.34% ($194.1 mil)
    Quarterly Pretax return on assets: 0.45% ($256.9 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
  • 19Total employees (full-time equivalent)
  • $57,082Total assets
  • $6,981Cash and due from depository institutions
  • $6,684Interest-bearing balances
  • $5,206Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $43,154Net loans & leases
  • $624Loan loss allowance
  • $0Trading account assets
  • $715Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $57,082Life insurance assets
  • $1,026All other assets
  • $51,635Total liabilities and capital
  • $49,171Total liabilities
  • $49,170Total deposits
  • $49,171Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,050Trading liabilities
  • $0Other borrowed funds
  • $414Subordinated debt
  • $5,447All other liabilities
  • $5,447Total equity capital
  • $5,447Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $5,447Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $203Income earned, not collected on loans
  • $0Earning assets
  • $224Long-term assets (5+ years)
  • $55,044Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $57,685Volatile liabilities
  • $57,482Insider loans
  • $26,840FHLB advances
  • $57,082Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,447Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,352Restructured Loans and leases
  • $382Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,971Total interest income
  • $825Total interest expense
  • $2,146Net interest income
  • $167Provision for loan and lease losses
  • $169Total noninterest income
  • $0Fiduciary activities
  • $83Service charges on deposit accounts
  • $0Trading account gains & fees
  • $86Additional noninterest income
  • $1,949Total noninterest expense
  • $1,120Salaries and employee benefits
  • $384Premises and equipment expense
  • $445Additional noninterest expense
  • $199Pre-tax net operating income
  • $0Securities gains (losses)
  • $75Applicable income taxes
  • $124Income before extraordinary items
  • $0Extraordinary gains - net
  • $124Net income attributable to bank
  • $0Net charge-offs
  • $124Cash dividends
  • $93Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.49%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 2.30%Return on equity (ROE)
  • 2.30%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 179.57%Credit loss provision to net charge-offs
  • 3.94%Efficiency ratio
  • 84,190Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 307.39%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 87.76%Net loans and leases to core deposits
  • 88.77%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 9.54%Tier 1 risk-based capital ratio
  • 20.29%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $57,685Average earning assets
  • $5,382Average equity
  • $55,437Average loans

List of branches

  • 3 Washington Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041100Raymond Federal Bank202 Duryea St, Raymond, WA 98577January 01, 1925Full Service Brick and Mortar
    12663251615 Pacific South Branch1615 Pacific South, Long Beach, WA 98631January 01, 1925Full Service Brick and Mortar
    1002663261000 W Robert Bush Drive Branch1000 W Robert Bush Drive, South Bend, WA 98586June 30, 1988Full Service Brick and Mortar

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