FDIC Certificate #: 19823 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Umpqua Bank (#17266) Federal Reserve ID: 726775 Date Established: June 05, 1968 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 14 (Interstate: No) OTS Docket #: 12131 FDIC's unique #: 13616 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: June 05, 1968 Last Structure Change Effective Date: December 04, 2000 Last Structure Change Process Date: January 29, 2001 Last Data Update: January 29, 2001 Data Source Date: April 05, 2012
Location
Address: 110 Pine Street, Rogue River, OR 97537 County: Jackson 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): Medford-Ashland, OR (#4890) Core Based Statistical Area (CBSA): Medford, OR (#32780) CBSA Metro Statistical Area: Medford, OR (#32780)
Financial Summary
Total assets: $347.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
177Total employees (full-time equivalent)
$311,720Total assets
$18,693Cash and due from depository institutions
$1,600Interest-bearing balances
$74,799Securities
$0Federal funds sold & reverse repurchase agreements
$198,001Net loans & leases
$3,503Loan loss allowance
$0Trading account assets
$7,659Bank premises and fixed assets
$0Other real estate owned
$8,862Goodwill and other intangibles
$0Life insurance assets
$3,706All other assets
$311,720Total liabilities and capital
$278,481Total liabilities
$277,081Total deposits
$201,792Interest-bearing deposits
$277,081Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,400All other liabilities
$33,239Total equity capital
$33,239Total bank equity capital
$33,239Perpetual preferred stock
$0Common stock
$1,105Surplus
$14,895Undivided profits
Memoranda
$17,239Noncurrent loans and leases
$31,107Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$551Earning assets
$28Long-term assets (5+ years)
$888Average Assets, year-to-date
$274,400Average Assets, quarterly
$82,925Volatile liabilities
$310,545Insider loans
$314,123FHLB advances
$10,658Loans and leases held for sale
$6,187Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$497Total risk weighted assets
$31,107Total unused commitments
$0Restructured Loans and leases
$2,989Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$22,673Total interest income
$6,413Total interest expense
$16,260Net interest income
$0Provision for loan and lease losses
$2,049Total noninterest income
$0Fiduciary activities
$1,353Service charges on deposit accounts
$0Trading account gains & fees
$696Additional noninterest income
$10,523Total noninterest expense
$6,287Salaries and employee benefits
$1,342Premises and equipment expense
$2,894Additional noninterest expense
$7,786Pre-tax net operating income
$0Securities gains (losses)
$2,883Applicable income taxes
$4,903Income before extraordinary items
$0Extraordinary gains - net
$4,903Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$36Sale, conversion, retirement of capital stock, net
$5,320Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.24%Yield on earning assets
2.33%Cost of funding earning assets
5.91%Net interest margin
0.74%Noninterest income to earning assets
3.83%Noninterest expense to earning assets
1.58%Net operating income to assets
1.58%Return on assets (ROA)
2.51%Pretax return on assets
14.38%Return on equity (ROE)
-1.22%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
216.28%Efficiency ratio
53,400Assets per employee
1.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
108.50%Loss allowance to loans
1.74%Loss allowance to noncurrent loans
635.75%Noncurrent assets plus other real estate owned to assets
0.18%Noncurrent loans to loans
0.27%Net loans and leases to deposits
71.46%Net loans and leases to core deposits
74.32%Equity capital to assets
10.66%Core capital (leverage) ratio
8.32%Tier 1 risk-based capital ratio
10.85%Total risk-based capital ratio
Memoranda
$12Average assets
$310,545Average earning assets
$34,108Average equity
$275,075Average loans
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