# BANK OF THE CASCADES
BEND, OR · FDIC certificate 22407 · asset band $1-10B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.33B | |
| Deposits | $2.75B | |
| Loans and leases | $2.06B | |
| Total equity | $518.0M | |
| Loans / deposits | 75.01% (p21 of band) | 89.72% |
| Liquid assets / assets | 24.77% (p63 of band) | |
| Uninsured deposits / deposits | 26.70% (p52 of band) | 25.51% |
| Brokered deposits | 3.76% | |
| Wholesale funding | 3.76% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.12% (p7 of band) | 9.96% |
| Unrealized securities loss / equity | 0.24% (p61 of band) | 0.00% |
| AOCI / equity | 0.13% (p22 of band) | |
| ROA (annualized) | 0.19% (p3 of band) | 0.99% |
| Net interest margin | 0.69% (p2 of band) | 3.49% |
| Efficiency ratio | 59.06% (p36 of band) | |
| Noncurrent loans | 0.16% (p13 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 42.25% (p52 of band) | |
| Auto loans | $13.6M (0.66% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 607 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 | expense ratio p90 | reserve under noncurrent |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking | losing money, charge-offs p90, expense ratio p90, capital falling |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 | expense ratio p90, charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | losing money |  |
| 2014-09 | 2 | capital falling | losing money |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | expense ratio p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | expense ratio p90 |  |
| 2016-06 | 1 | capital falling | expense ratio p90 |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | NIM <2.5%, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-11-18 [Bank of the Cascades to be acquired - bendbulletin.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5kem41VWpNV1E2ckEzcVQ0cHItRHl4WTdvVkZYRklqVW5tcGJlblRQckc1emJZdWhxVmpkRnlWVE85N0xMOHBEZVJWVWJPXzFRN19zRzZlTVdERDRqaHlBTVpfa0lqVDZvSEZBN2ctOXNSOHNnZU42WVNFb1U?oc=5) · bendbulletin.com
- 2017-05-31 [Banking M&A Team Leads Sale of Bank of the Cascades - Hunton Andrews Kurth LLP](https://news.google.com/rss/articles/CBMihAFBVV95cUxNeHdhNzhEOHNTZGhUSS05REZsakN1QTJvdVc2S1NBMTZhWk0waFlmQVBGbm1tc2d5NnpTR0o1cjZKRjA2QXJucExUWTlxd08wTU0tdUtzUDM0NGQxTGZha0VBRUttVUwyMGpRMzhoNWxudmw3WnZRUXZoa20xempkdXRjQ2M?oc=5) · Hunton Andrews Kurth LLP
- 2016-11-21 [Bank of the Cascades acquired by Montana bank - Idaho Business Review](https://news.google.com/rss/articles/CBMikwFBVV95cUxOU0NrYlRISE5IU2FfMXBpOV90Rk1pMDh4OWhzc3Z1b2R0QUtMMXZKQTFxalhtb1h1Q3ZiTnZzMUROc3dHZ2tzaE14dmZNSHA2Q3hOeldvbWhYWXdFM2s2RWZtRXJzWU5ORlJWSHJnYVBoOVpXWjhsTnJKWlJGOEpWUURNUnBSUFdCY2RvdFNSM3dWVG8?oc=5) · Idaho Business Review
- 2020-01-13 [Bank of the Cascades To Merge with Home Federal Bank - KBND](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBwejMyTEFlUmNuQzF6bWlqc2pvcU1idnBOVzVHalJBZFdKNTAwRHE3U2RpYkNXLWM5Rk11V09IaDJLUVA5VU5UcVFzWk1WU3QxTVpkV0FEa29lcXUy?oc=5) · KBND
- 2016-03-04 [Bank of America changes to Bank of the Cascades - kobi5.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQSEhZTXVGYjZjRTdBaDh6QjJ3ZUpFZG9DWHZBSWxjVlo0OG51eUdSOG5Iajg1c1JfVXpIRm5EUHc2R3RMS2JQbTJ3WW5HYkhjVUt0ZlZYekV4OEpHczRLQU1xVjhWeFNfX0kyMGQ1WGcwck1GenZIOUlyX2EzYzhXZ2VGUQ?oc=5) · kobi5.com
- 2013-10-23 [Bank of the Cascades to buy Home Federal for $266 million - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcFFiRmpmVHBzTXV5U3JGRVFla1JsRjJ0S1VScHF2SDVpbEM3Qm0tSTNFZzMyaGJrTWhQcHVxQzZiWnVPOEcwdUtGeWptb1psX1NIMm02UkJFM0NjanlaM241UzZlaGpYUllydWE3QUtuZ0k0QXc3eldOd3BCWC1SRHJ1aHFWcllNRTZBQnZHdURzT3EyMDZkb0t6N3k?oc=5) · The Business Journals
- 2017-07-05 [What goes around: First Interstate brand back in Boise - BoiseDev](https://news.google.com/rss/articles/CBMikwFBVV95cUxPOWVfMjJPME04Z0V0UzJNUmY3M0Qxek9xYTl5WDAtaTVSWVBKVjZSZWVTSWwxM3JTLXJsY0VfOWw3eWtWTVcwV1R1ZHhELVJfVElxbkh4WGxkb0hCVzNjZnV6Zy1meXBMRHBmU1Qtdkc4VzAyamowTklrV2xOSUVhdERLRTZrSEI3TUR5VTN4Vmh1WDg?oc=5) · BoiseDev
- 2006-04-18 [Willis named marketing VP for Bank of Cascades - The Nugget Newspaper](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNk5pQkEzcmdnbDhJVGctWjBKcFBLZlVGTi1udlhkWUFrUEUxVlJJZEFrVmwtaV9lam5xbGx1NEd6bEtDU3J3MVFFMEpjSG9QMm9rSUtyM1hUN0NxcjhLdEF6RzBGR3BLTVJnT01ONWxWRVRreTQ3R2RCdUVKNmE2Q214M1FBYjdfa0VfaXA4M1RBTnlWdjRxbWJXNkZXRGxFeFlYSUJYRGNsZw?oc=5) · The Nugget Newspaper

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22407 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "22407", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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