Yakima Federal Savings and Loan Association in city_name, state_name

Yakima Federal Savings and Loan Association in Yakima, Washington (WA)
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Yakima Federal Savings and Loan Association - Overview

General
FDIC Certificate #: 28116
Status: Active
Federal Reserve ID: 809771
Date Established: January 01, 1905
WWW: http://www.yakimafed.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 921
FDIC's unique #: 40950
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: 118 East Yakima Ave, Yakima, WA 98901
County: Yakima
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
Metropolitan Statistical Area (MSA): Yakima, WA (#9260)
Core Based Statistical Area (CBSA): Yakima, WA (#49420)
CBSA Metro Statistical Area: Yakima, WA (#49420)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $1,754.4 mil
Equity capital: $333.3 mil
Deposits held in domestic offices: $1,384.6 mil
Return on assets (ROA): 1.52% ($26.7 mil)
Quarterly return on assets: 1.57% ($27.5 mil)
Return on Equity (ROE): 8.19% ($27.3 mil)
Quarterly return on equity: 8.28% ($27.6 mil)
Net income: $26.2 mil
Quarterly Net income: $6.8 mil
Pretax return on assets: 2.28% ($40,001.3 mil)
Quarterly Pretax return on assets: 2.10% ($36,843.3 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
130Total employees (full-time equivalent)
$1,754,441Total assets
$101,072Cash and due from depository institutions
$61,249Interest-bearing balances
$888,453Securities
$0Federal funds sold & reverse repurchase agreements
$669,163Net loans & leases
$2,546Loan loss allowance
$0Trading account assets
$10,070Bank premises and fixed assets
$702Other real estate owned
$0Goodwill and other intangibles
$1,754,441Life insurance assets
$84,981All other assets
$1,421,115Total liabilities and capital
$1,384,601Total liabilities
$1,367,461Total deposits
$1,384,601Interest-bearing deposits
$82Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,470Trading liabilities
$0Other borrowed funds
$26,044Subordinated debt
$333,326All other liabilities
$333,326Total equity capital
$333,326Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$333,326Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,308Income earned, not collected on loans
$709Earning assets
$6,254Long-term assets (5+ years)
$1,618,865Average Assets, year-to-date
$0Average Assets, quarterly
$1,720,761Volatile liabilities
$1,735,779Insider loans
$659,848FHLB advances
$1,743,291Loans and leases held for sale
$59,931Unused loan commitments
$0Tier 1 (core) risk-based capital
$326,078Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$19,045Restructured Loans and leases
$1,803Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$74,502Total interest income
$17,070Total interest expense
$57,432Net interest income
$180Provision for loan and lease losses
$3,574Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3,574Additional noninterest income
$21,618Total noninterest expense
$13,580Salaries and employee benefits
$2,653Premises and equipment expense
$5,385Additional noninterest expense
$39,208Pre-tax net operating income
$0Securities gains (losses)
$12,971Applicable income taxes
$26,237Income before extraordinary items
$0Extraordinary gains - net
$26,237Net income attributable to bank
$0Net charge-offs
$26,237Cash dividends
$113Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.65%Yield on earning assets
1.07%Cost of funding earning assets
3.59%Net interest margin
0.22%Noninterest income to earning assets
1.35%Noninterest expense to earning assets
1.52%Net operating income to assets
1.52%Return on assets (ROA)
2.28%Pretax return on assets
8.19%Return on equity (ROE)
8.19%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
159.29%Credit loss provision to net charge-offs
348.57%Efficiency ratio
35,436Assets per employee
13.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.38%Loss allowance to noncurrent loans
110.31%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.34%Net loans and leases to deposits
48.33%Net loans and leases to core deposits
55.21%Equity capital to assets
19.00%Core capital (leverage) ratio
18.70%Tier 1 risk-based capital ratio
49.42%Total risk-based capital ratio
Memoranda
$50Average assets
$1,720,761Average earning assets
$320,165Average equity
$1,601,654Average loans

List of branches

10 Washington Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	40950	Yakima Federal Savings And Loan Asso	118 East Yakima Ave, Yakima, WA 98901	January 01, 1905	Full Service Brick and Mortar
2	265128	Pasco Branch	3604 West Court, Pasco, WA 99301	January 01, 1905	Full Service Brick and Mortar
3	265129	Ellensburg Branch	5th & Pine, Ellensburg, WA 98926	January 01, 1905	Full Service Brick and Mortar
4	265130	Sunnyside Branch	801 E Edson, Sunnyside, WA 98944	January 01, 1905	Full Service Brick and Mortar
5	265131	Richland Branch	1007 Jadwin, Richland, WA 99352	January 01, 1905	Full Service Brick and Mortar
6	265132	Prosser Branch	601 Market Street, Prosser, WA 99350	January 01, 1905	Full Service Brick and Mortar
7	265133	Stadium Branch	3910 Tieton Drive, Yakima, WA 98902	January 01, 1905	Full Service Brick and Mortar
100	265134	Kennewick Branch	3350 West Clearwater, Kennewick, WA 99336	January 01, 1905	Full Service Brick and Mortar
101	265135	Yakima Branch	7105 Tieton Drive, Yakima, WA 98908	October 27, 1994	Full Service Brick and Mortar
102	495156	West Gage Blvd Branch	8908 W. Gage Blvd, Kennewick, WA 99336	April 03, 2002	Full Service Brick and Mortar

Yakima Federal Savings and Loan Association in Yakima, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Yakima Federal Savings and Loan Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Yakima Federal Savings and Loan Association in Yakima, Washington (WA)Overview, Financial Summary, Detailed Financial Reports, Branches

Yakima Federal Savings and Loan Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Yakima Federal Savings and Loan Association in Yakima, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches