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OREGON
BANKS
Investing in the
Communities
we Serve
Cornerstones
of our
Communities
iNvEStiNG
iN thE
COmmunitiES
wE SERvE
OREGON
I
t’s no secret that America is in the midst of economic
BANKS turmoil. But what may surprise some people is that
traditional banks – the 58 depository institutions that
make small business loans and personal loans and
provide a safe repository for Oregonians’ savings – are
not the root of the problem. Many news reports have
blamed “banks” for the credit crisis; the truth is, the
institutions at the center of the meltdown – such as
Lehman Brothers, AIG, Bear Stearns, Fannie Mae and
the like – are or were not banks. And while traditional
banks doing business in Oregon are impacted by current
economic conditions, they are as a whole the solution to
today’s financial industry challenges.
While traditional banks come in all shapes and sizes, they
all have one thing in common: they are the main source
of capital in their local communities. Although times are
tight, banks continue to lend, proving to their customers
that they are worthy of trust and will do everything possible
to support economic prosperity in their communities.
OREGON BANKERS ASSOciAtiON
777 13th St SE, SuitE 130 • SalEm, OR 97301
PO BOx 13429 • SalEm, OR 97309
Page 2
503-581-3522 • Fax 503-581-8714
tRaditiOnal BankS COntinuE tO lEnd
It is a little known fact that even with the economy faltering and individuals and businesses reducing their
borrowing, banks continue to lend. This is in sharp contrast to lending trends during other recessions.
Typically, loan growth shrinks as loan demand falls, but during the current recession, traditional banks
have actually experienced an expansion in business lending. In 2008, for example, business
loans expanded by 11 percent, and consumer loans expanded by 9 percent. However, loan
demand appears to have declined in 2009 due to the current recession.
Although traditional banks have been lending throughout Oregon, they cannot offset the
dramatic decline of credit outside of the banking industry. Many do not realize that traditional
bank lending today accounts for less than 30 percent of all credit in the U.S., whereas 30 years
ago, banks provided about 60 percent of all credit. The collapse this past year of the secondary
markets for mortgages and other consumer credit products has taken out an important pipeline
of credit. Thus, the stories about the lack of credit are due to the weakness of non-bank lenders and the
securitization markets, not the traditional banking sector.
Banks are committed to seeing their communities through this economic crisis. It is the credit extended
by traditional banks that has allowed many businesses to move forward and meet their payrolls and make
payments to their suppliers, even during these challenging times.
SOURCES: Survey of Oregon banks conducted by the Oregon Bankers Association in 2008; US Small Business Administration;
Federal Deposit Insurance Corporation Bank Call Reports; and American Bankers Association. Page 3
thE REal StORy OF Small BuSinESS lEnding
By OREGON BANKS
Small BuSinESS lEnding
Small BuSinESS lEnding
By OREGON BANKS
78% 22% Small Business Loans from $0-$100,000
22,533
Loans 6,250
Loans 11%
Small Business Loans Exceeding $100,000
7,057 lOanS
59%
37,860 lOanS
Banks in Oregon are very committed to serving small business customers. In fact, in 2007 alone,
30%
Oregon banks made more than 28,000 small business loans. Of these loans, 78 percent were for
less than $100,000. In addition to loans, banks provide a wide array of deposit and loan products to
help small businesses prosper.
19,156 lOanS
The reality is that Oregon’s banking community is actively engaged in serving very small to mid-size
businesses. In fact, this customer segment is the most important for many Oregon banks. Oregon
banks are continuing the long tradition of broadly serving Oregon’s small business community.
In spite of the difficult economic environment we are now in, only
Financial Institution Credit n BuSinESS lOanS FROm $0 tO $50,000
eight percent of small businesses have reported problems in obtaining
$40 Total Credit From 70%
n BuSinESS lOanS FROm $50,000 tO $100,000
Financial All Institutions the financing they desire, and regular borrowing was “typical of the past
(Left Axis)
60% n BuSinESS lOanS ExCEEding $100,000
$30 Banking Credit as
% of Total
50% 20 years” (according to a March 2009 survey by the National Federation
(Right Axis)
llions
40%
$20 of Independent Businesses, NFIB). What has been experienced most
$ Tril
30%
$10
%
20% recently, however, is a noticeable decline in business loan demand.
10%
Banking Credit Banks in Oregon are is committed to traditional bank lending is
Consequently, therevery evidence thatserving
(Left Axis)
$0 0%
1960 1971 1982 1993 2004
small business customers. In fact, in 2005 alone,
Source:
Inflation Adjusted, Base = 2008 3Q marginally declining in 2009.
Oregon banks made more than 64,000 small business loans. Of these loans, 70% were
Flow of Funds
As less than $100,000 and 59% were for less increases, traditional banks will continue
for the economy improves and loan demand than $50,000. For many years, bankers to be there to make
have provided a wide array of deposit and loan products to help small businesses
smart loans to Oregonians and Oregon businesses. But the ability of banks to meet these needs will be
prosper.
directly influenced by the availability of adequate capital to back increased lending. Banks receive mixed
The reality is that Oregon’s banking community is actively engaged in serving
messages to mid-size businesses. continuing to lend to stimulate among the most
very smallabout the importance ofIn fact, this customer segment is the economy while dealing with a variety
of regulatory many Oregon banks. Oregon work are continuing At the end of the day,
important forand accounting pressures that banks against lending.the long tradition of traditional banks –
broadly serving Oregon’s small business community.
with a long history built on trust and community involvement – are key to our economic recovery and the
availability of credit in Oregon’s communities.
Page 4
nO BailOut FOR OREgOn BankS
It’s important to understand that traditional banks are built on relationships with the communities they
serve, backed by relationships they have with their federal and state regulators. These relationships are based
on trust and a focus on fundamentals that keep banks safe and sound. Moreover, typical banks have not
received bailouts. They don’t need them because most traditional banks have steered clear of the financial
instruments that led to the insolvency of entities like AIG. Moreover, bank lending practices are regulated
much more stringently than those of a brokerage or investment bank.
Some Oregon banks have opted to accept capital in the form of a preferred stock investment
– paying dividends to the federal government – under the Treasury’s new Capital Purchase
Program. These healthy banks are using this capital investment to support new lending and
increase stability in the marketplace. These funds – accepted by a handful of banks to date – are
a benefit to Oregon communities. They are not bailout funds, and the government will make
money over the life of the investment.
SPEaRhEading Small BuSinESS gROwth
Many believe that our economic recovery rests on the ability of small businesses to launch and thrive.
According the U.S. Small Business Administration, 60 to 80 percent of net new jobs each year are created
by small businesses. These entities receive 65 percent of their loans from commercial banks and other
depository institutions.
As of June 2008, 34 million outstanding commercial and industrial loans to small businesses nationwide
totaled $337 billion; 1.8 million commercial real estate loans to small businesses totaled an additional $375
billion in the same period.
Oregon banks play a particularly important role in helping small businesses thrive.
A recent survey reflecting data from only a portion of Oregon banks shows more than 22,000 loans
of $100,000 or less were made to small businesses across the state in 2007. In fact, these same loans represent
78 percent of all the loans banks reported making to Oregon small businesses.
Oregon banks will continue to lend to small businesses, helping to lead us to greater economic security.
Page 5
a mORE RESPOnSiBlE aPPROaCh
tO dOiNG BuSiNESS
Throughout the current economic storm, traditional banks – including the 38 banks headquartered in
Oregon – have remained committed to their core business: making loans and providing Oregonians
with a safe, reliable place to deposit their funds. Individuals and businesses in our communities
entrust banks with their money in the form of certificates of deposit, savings and checking accounts.
These deposits are federally insured, and the banks in turn loan these funds back out to individuals
and small businesses in their communities. Oregon’s banks answer to Main Street, not Wall Street;
our highly regulated business model is based on a holistic relationship with the depositors and
borrowers in our communities.
invESting in thE COmmunitiES wE SERvE
In addition to employing approximately 20,000 Oregonians, banks continue
to be the primary institutions for saving, lending and financing economic
growth in Oregon’s communities. In this important role, banks are well-poised
to fuel our economic recovery.
But beyond a financial services role, Oregon bankers are committed to making
the places they live and work the best they can be. A recent survey of Oregon
banks showed their charitable donations made right here in Oregon were
well in excess of $11 million, supporting everything from Habitat to Humanity to the American
Cancer Society to Meals on Wheels. On a more personal level, the employees of Oregon banks
reported donating nearly 135,000 hours of their time as volunteers, often serving on the boards
and committees of local non-profit organizations. Whether it’s delivering meals to homebound
seniors or pitching in to build affordable housing, Oregon bankers are moved to give back to the
community. Why? Because it’s their community too.
In the pages that follow, we’ve highlighted some special tales of giving by banks around Oregon.
They illustrate a few of the unique ways Oregon banks go beyond offering checking accounts and
lines of credit to serving as true cornerstones of their communities.
Page 6
BANK
OF thE
cAScAdES
Building StROng BOdiES, mindS,
ANd BuSiNESSES
W hen schools are facing tough
budgetary times, it’s the
little extras that often suffer. Sports
“The support Bank of the Cascades
has provided has made a tremendous
impact,” said Lisa Zimmerman,
a healthy, stable business climate by
giving not only sponsorship dollars,
but also sharing our bankers time and
programs. Arts programs. In-class president of the Education Foundation expertise in the classroom.”
teaching tools beyond blackboards for Bend – La Pine Schools, which
and desks. Some view these items dispenses scholarship and grant “I’ve been involved with a number
as ancillary to the larger education money. “We’ve never had to turn of business incubators in the past,”
experience, unnecessary frills. Bank of down an activity scholarship request said Jimmie Wilkins, director
the Cascades feels differently. and have awarded 1,113 since 2003. of Chemeketa’s Small Business
The innovative programs that the Development Center. The primary
And hundreds of high school students Classroom Impact Grants have objective of most incubators is to
in greater Bend are thankful for that! allowed teachers to introduce to their provide low cost office space to the
classrooms help get students excited handful of entrepreneurial groups
For the last three years, Bank of in those offices. What excites me
the Cascades has supported several about learning.”
about the EDGE program is that it
programs in central Oregon , such Bank of the Cascades’ interest in extends our services beyond our 10
as Activity Fee Scholarships and fostering learning extends west of young businesses and the walls of our
Classroom Impact Grants. Activity Fee the mountains to students pursuing building. Thanks to our community
Scholarships help students of modest entrepreneurial endeavors. The bank is supporters like Bank of the Cascades,
means cover fees for participating excited to sponsor the Entrepreneur’s the information and know-how
on sports teams, and other fee-based EDGE Business Incubator at the we accrue will be available on-line
activities. Classroom Impact Grants Chemeketa Center for Business and to other businesses and budding
provide funds that permit teachers to Industry in downtown Salem. The entrepreneurs in the community.
augment their teaching environments EDGE (Education, Development, It’s really a remote professional
– whether it be more books, more Growth, Empowerment) Incubator development program, with the
microscopes, new computers or unites on-site Chemeketa student potential to empower businesses
whatever might enhance the students’ entrepreneurs with virtual teams throughout our region.”
classroom experience. of established business owners and
new entrepreneurs from the college’s The Entrepreneur’s EDGE Business
“The health and vitality of our Incubator – part of
communities is important to us, service district in Marion, Polk and
Yamhill Counties to participate in a Chemeketa’s Small
and schools are at the heart of Business Development
the community,” said Julie Miller, results-driven program of business
education. The program’s goal is Center – is slated to
executive vice president and Central move into their
Oregon regional manager, Bank of to encourage the launch, growth,
stability and long-term success of new building
the Cascades. “We’re committed in downtown
to investing in education, and business enterprises.
Salem the
supporting academic and athletic “The business incubator program at summer of
opportunities for all students. One of Chemeketa is about raising up the 2009.
the singular benefits of community resources and talents that are already
banks is that we are able to keep here to help develop a stronger
local deposits local and reinvest in business community, successful
these community needs through our employers, and create jobs
corporate philanthropy program.” and revenue for economic
Bank of the Cascades has donated to development,” said Larry
each of the three high schools in Bend Goodreau, senior vice
(Bend High School, Mt. View High president and area manager,
School and Summit High School) for Bank of the Cascades.
the past three years for Activity Fee “We are honored to be part
Scholarships and Classroom Impact of this type of educational
Grants. initiative that supports
Page 7
ClaCkamaS
cOuNty
BANK
Pink FlamingOS
RElay FOR liFE
i t’s past midnight on a summer
night in Sandy. The lights at the
Sandy High School track are blazing,
event since 2003. Several other Oregon
banks have also participated in Relay
For Life.
family who have battled cancer and
lived to tell their stories, to provide
encouragement for those in the midst
and scores of people are walking laps of their struggle, or to remember
as hundreds of others cheer them on. “We have two teams associated with loved ones who have been lost to the
It’s not an off-season track meet – it’s the bank that participate,” explained disease. The bags are placed around
the annual Relay For Life. Jamie Claggett, administrative the track. After an inspirational speech
assistant, Clackamas County Bank. by a cancer survivor, candles inside
Relay For Life is the American Cancer “One is the CCB Pink Flamingos – the bags are lit, and Relay participants
Society’s signature activity, offering we got the name from our late bank along with Survivors do a lap around
any interested parties an opportunity president, Randy Proctor, who loved the track in silence. “The Luminaria
to join the fight against cancer. Teams pink flamingos. This team is comprised is a real tear-jerker,” Jamie Claggett
of participants camp out at a local of all bank employees. The other team continued. “It’s a great release, both
high school, park or fairground and is the Friends of Pink Flamingos, and for people who are grieving and
take turns walking or running around it’s made up of relatives and friends of those who have survived. For many
a track or path. Relays are an overnight bank employees. In 2008, a total of 35 spectators and participants, it’s the
event, up to 24 hours in length; each people participated between the two focal point of the event.”
team has a representative on the track teams, and we raised over $43,000 –
at all times. More than 3.5 million including all the fund-raising we do in The Relay For Life event in Sandy
people participated in Relay For Life the course of the year and matching has many mirthful moments as well
events in 2008. Clackamas County funds that Clackamas County Bank – including the Mr. Relay Pageant.
Bank has fielded teams for the Sandy contributed.” A total of 25 teams “Contestants – men only – dress up
took part in the 2008 Relay For Life in woman’s attire,” Jamie explained.
in Sandy, and a total of $65,350 was “Each team designates a participant.
raised for the American Cancer Society. The pageant begins at midnight --
contestants wobble up onto a stage in
A highlight of the Relay For Life event their high heels to have their pictures
is the Luminaria Ceremony of Hope. taken and answer questions from the
As the sun sets over campsites and audience. Eventually, they run or walk
darkness falls, the night is brightened a lap in their heels. The contestant
by the glow of illuminated bags who collects the most money is
– the luminaria. Participants and crowned Mr. Relay.”
spectators can purchase bags (for a
small donation) that can be decorated
to celebrate the lives of friends and
Page 8
EvERGREEN
FEdERal
BANK
hElPing wORking FamiliES
mOvE hOmEwaRd BOund
A chieving the American dream
of owning your own home is
becoming increasingly difficult for
brings together local developers
and businesses to finance and build
affordable homes for first-time home
selling at $150,000, this
would amount to about
$5,500.) They must
middle-income working families. One buyers. Evergreen Federal provided the also meet normal loan
group that’s hit especially hard are initial seed money – $1,000,000 over credit criteria and work
families whose income is between five years – to buy land and help pay for a Dream Builder partner.
$40,000 and $60,000. They earn too for improvements. A host of businesses
much to qualify for subsidy programs, contributed $5,000 each to become a As of this writing, Homeward
but not often enough to buy a home Dream Builder partner. This enables Dreams has escrow closed on seven
in today’s market. any eligible employees at the business homes with an eighth house almost
to be added to the pool of potential finished and a ninth well underway.
“The availability of affordable housing Homeward Dreams participants. The first – an 1,800 square foot
around Grants Pass has been a concern At the kick-off meeting, Jeff Hyde structure with three bedrooms, two
at Evergreen Federal for years,” said was astounded by the development baths and granite countertops – sold
Jeff Hyde, the bank’s executive vice community’s response. “Some builders for $170,000; it would have easily
president and president of Evergreen came up after my presentation and sold for $325,000 in the marketplace.
Federal’s Affordable Housing said, ‘We’ll sell you the lot for $5, The other houses Homeward Dreams
Company. “One of the greatest and we’ll build the house at cost. has built have been a bit smaller,
stumbling blocks to making home Are you interested?’ You bet we and priced between $137,000 and
ownership available to families of were!” Since that roll-out meeting, $150,000. “These houses are built by
more modest means has been the price Homeward Dreams has received high quality builders to the highest
of land – $80,000 to $100,000 for the more than $400,000 from the Grants standards,” Jeff added. “Every house
average lot. At a meeting with some Pass business community, either in is equal to or better than other houses
people from the local development discounts or work-in-kind. in the neighborhoods where they’re
community, one of the builders – Jay built.”
Eastwood of Eastwood Homes – asked To be eligible for the program,
if we had explored the concept of recipients must be first-time home “Does Homeward Dreams solve
community land banks. Our interest buyers, have a combined family Josephine County’s affordable housing
was piqued, and we did some research. income between $40,000 and $60,000, dilemma?” Jeff pondered. “No. But
We learned that it would be possible and be able to pay 3 percent of the it has put eight families into their
to build and sell the physical house sale price for the down payment own homes – families that probably
and hold on to the lot using a long- and cover closing costs. (For a home wouldn’t have had this opportunity
term lease for which we’d charge for a long time.”
homeowners a nominal monthly fee
of $50. We came up with a proposal
and got FDIC approval.”
And the Homeward Dreams program
was born.
With Homeward Dreams, Evergreen
Federal’s Affordable Housing Company
Jeff Hyde, Avery and Nicole Cates,
Leanne Smith, Asante Human
Resources, and Paul Janke, CEO
of Three Rivers Women’s Imaging,
pose in the kitchen of Nicole’s new
home. Nicole is an office assistant
at TRWI, and has two other
children besides Avery, 4 year old
twins, Jonas and Elliot. Page 9
haBitat FOR
humanity
OF OREgOn
1,000 hOmES By 2010 . . .
with thE hElP OF OREgOn’S BankS
E veryone deserves a safe, decent
place to live. For more than 25
years, Habitat for Humanity has
affiliates around the state – the groups
of staff and volunteers building the
homes. In the first 25 years, some
Habitat for Humanity affiliates
are active all across Oregon, from
Tillamook to La Grande to Klamath
been in Oregon to help. Habitat’s 800 homes have been built. Habitat Falls. Wherever Habitat projects are
houses are designed and built by a recently launched its “1,000 Homes happening, Oregon banks are there
community of dedicated volunteers by 2010” campaign. And with the to help. Here are just a few examples
and then sold at cost with zero- help of partners from Oregon’s of how:
interest mortgages to qualifying banking community, they hope to
families. These mortgage payments reach that goal. • Columbia Community Bank
– often less than the cost to rent – go has been very supportive of West
into a revolving fund for Habitat “There are so many ways that Oregon Tuality Habitat in Forest Grove and
that is used to build more homes banks assist us,” said Patricia TenEyk, Newberg Area Habitat through cash
for Oregon families. By providing a executive director of Habitat for donations and volunteer service
hand up, not a hand out, Habitat for Humanity in Oregon. “Some banks provided by bank staffers, several of
Humanity maintains the dignity and will provide bridge financing to our whom have served on the board.
pride of its homeowner families – affiliates to help them purchase a
families that contribute 500 hours of property. Others will direct us to • First Federal has also assisted
sweat equity on their home (or other potential building sites that they’ve Newberg Area Habitat with a
Habitat projects) to qualify…and in come upon in the course of doing customer directed donation
addition to their mortgage, pay over business. Each year, we receive program and volunteer recognition
$1.5 million in property taxes a year cash donations from banks that awards.
to help support their communities. do business in our communities.
And as you may have seen on some • Oregon Pacific Bank conducts
In 1998, Habitat for Humanity Saturdays, bank employees frequently a number of special fundraising
of Oregon was created to offer volunteer their time for ‘build days,’ events at the bank for Florence
fundraising, public relations, and helping erect or restore a Habitat for Habitat for Humanity, and several
advocacy support to the 32 Habitat Humanity property.” employees serve on the board.
• Sterling Savings Bank
employees in Hermiston have
volunteered their hands-on
assistance on several occasions for
Oregon Trail Habitat, donating
supplies as well.
• Wells Fargo has donated both
cash and volunteer work days for
The Dalles Habitat affiliate.
• Columbia River Bank has helped
facilitate The Dalles affiliate’s
Federal Home Loan grant.
• Employees from various branches
of West Coast Bank have
supported Habitat of Lincoln
County work days with hands-on
support, as has the Lincoln City
branch of Wells Fargo.
Page 10
KEyBANK
hElPing thE
gRand FlORal PaRadE BlOSSOm
E
“ veryone loves a parade,” to
paraphrase the old Ted Koehler
song, and there’s no parade Oregonians
honor to invest in the KeyBank Grand
Floral Parade,” said Brian Rice, KeyBank
Oregon district president. “By doing
balloons and five thousand piggy banks
from KeyBank’s Oregon headquarters
in Milwaukie to downtown Portland
love more than the KeyBank Grand so, we will help ensure the continued required no small degree of planning.
Floral Parade – one of the signature success of our state’s favorite summer To maximize efficiency (and minimize
events of the annual Portland Rose event.” exhaust fumes), KeyBank hired a small
Festival. For more than one hundred fleet of vans to deploy volunteers along
KeyBank’s six-figure financial support
years, the parade’s larger-than-life all- the 4.3 mile parade route. Two tractor
of the parade is certainly important.
floral floats, high-stepping marching trailer trucks distributed shopping
But for thousands of parade-goers in
bands and impressive equestrian carts and goodies to volunteers so they
2008, it was the work of more than 100
units have thrilled tens of millions of could share balloons and piggy banks
bank employee volunteers that really
spectators – including half a million with children (and those young at
made a difference. “The way employees
viewers in 2008 alone. heart) throughout the morning. “It was
embraced Key’s involvement in the
a huge undertaking from a logistical
Parades don’t happen by themselves, parade was like no other volunteer
perspective,” Margaret Shrader
especially one the scope of the Rose outreach I’ve experienced,” said
continued, “but all came off smoothly.”
Festival’s largest parade. There’s the Margaret Shrader, KeyBank Oregon
careful assembly of one million plus district marketing manager. “All of “And I can’t tell you how many
flowers used in the decoration of the executive management team employees have contacted me
more than 20 floats. There are hours participated, as well as staff from many about the parade,” she added. “The
and hours of marching band practice of our 70 southwest Washington and overwhelming sentiment has been, ‘I
to make sure every note is just right. Oregon branches. We had more than can’t wait to do this
There’s the meticulous application of 25 people on the route the night before again next year!’”
pounds of pancake make-up by the handing out glow-in-the-dark roses to
Clown Corp, who dispense laughter people who were camping out on the
along the route. And most of all, there’s route, and nearly 100 employees on the
the planning, financial resources and ground the day of the parade to hand
volunteer power that make everything out balloons and piggy banks and help
run smoothly. Fortunately for flower entertain the crowds as they waited for
and parade lovers across Oregon and the parade to begin.”
beyond, KeyBank is there to help. In Getting 80 volunteers,
2008, KeyBank signed on to be the dozens of shopping
official sponsor of the parade. “It’s our carts, thousands of
Page 11
SiuSlaw
BANK
dElivERing mEalS,
making FRiEndShiPS
m eals on Wheels began delivering
hot, nutritious lunches in Lane
County in 1972, bringing food to 12
of 15 to 20 clients each Tuesday; each
employee team visits their Meals on
Wheels clients about once a month.
and older, are homebound and need
assistance with meal preparation, as
well as to adults with disabilities who
seniors in Springfield. Launched as Like many Siuslaw employees, I’m need help with meal preparation.
a pilot project by the Lane County very involved in a number of Each meal contains a minimum of
Chapter of the American Red Cross community activities, serving one-third of the recommended daily
in partnership with Lane Council on boards and the like. I love allowance of required nutrients.
of Governments (LCOG), Meals participating in the Meals on Wheels
on Wheels has grown to provide program because it’s so hands-on. I It takes between two and a half and
service to more than 1,200 senior get to know people in the community three hours to make all the deliveries
and disabled adults throughout Lane I might not otherwise meet.” on the Siuslaw team route. The bank
County. The Red Cross delivers their compensates employees for all of their
300 lunches a day, Monday through “Volunteer groups like the Siuslaw volunteer time.
Friday, to homebound seniors living in Bank team are an invaluable piece
of what we do,” said Linn Crooks, Delivering warm meals is just one
Eugene and north Springfield because aspect of the Meals on Wheels
of the dedication and generosity of director of the Meals on Wheels
Program for the Oregon Pacific program. Offering companionship is
more than 130 volunteers. another. For some clients, the knock
Chapter of the American Red Cross.
Ten of those volunteers hail from “We couldn’t provide our service on the door from a Meals on Wheels
Siuslaw Bank. without the half dozen groups that volunteer may signal the only visitor
assist us. I’m constantly impressed of the day. Real friendships develop
“We have five Meals on Wheels teams with the Siuslaw employees – their between clients and volunteers, and
who deliver meals every Tuesday of reliability and conscientiousness.” the affection experienced is reciprocal.
the year around Eugene,” explained One favorite client on the Siuslaw
Jenny Obermiller, Siuslaw Bank’s Meals on Wheels delivers hot, delivery route is Beulah, a 20-year
director of marketing. “Each team has nutritious lunches on a short- or resident of Eugene. “Beulah is 92
two people, and we visit an average long-term basis to people who are 60 years young, and a five year patron
of “Meals on Wheels,” said Jenny
Obermiller. “She loves to knit and
make applesauce, which she prepares
with extra cinnamon.”
“My favorite thing about Meals on
Wheels is the people who volunteer
and deliver the meals,” Beulah said
recently. “I like the people even more
than the food, although the food can
be delicious.”
Sue Boone, an employee in
Siuslaw Bank’s Loan Servicing
department, with Beulah, a
regular client on Siuslaw’s
Tuesday delivery route.
Page 12
umPqua
BANK
Putting CliEntS On
“GREEN StREEt”
i n a time of high energy prices and
increasing concerns about climate
change, most Oregonians are eager to
products are unlike any other available
in the state. They are specifically
designed to remove a financial barrier
• Efficient heating and cooling systems
• Water heating systems
• Insulation
reduce their carbon imprint anyway for Oregonians seeking energy-saving
• Windows
they can. Making our homes and and solar solutions for their homes and
businesses more fuel-efficient is an businesses.” • Solar energy systems
obvious way we can make a difference. • Air and duct sealing (for
The process generally begins with a homeowners)
But sometimes the chasm between free Home Energy Review from Energy
• Lighting, appliances and equipment
good intentions and well-executed Trust to identify energy-saving home
(for small businesses and multifamily
actions can be too wide to be bridged. improvements, and helpful self-service
properties)
energy checklists for small business
That is, unless, you find yourself on owners. Then, the home or business • Exterior doors and windows (for
GreenStreet. owner can turn to an Energy Trust trade small businesses and multifamily
ally contractor for expert advice on properties)
GreenStreet Lending is an innovative
program created by Umpqua Bank and identifying energy efficiency solutions “The program was initiated in
Energy Trust of Oregon, a nonprofit and obtaining a project estimate, November of 2008,” said Nicole
organization that promotes energy trade allies are licensed, insured and Stein, vice president of community
efficiency and clean renewable energy trained on the latest energy efficiency responsibility, Umpqua Bank, “but
for Oregon customers of Portland standards and offerings and can already we have a sizable pipeline of
General Electric, Pacific Power, NW help complete the forms for Energy loan applications. The interest is there
Natural and Cascade Natural Gas to Trust incentives and state tax credits in the market. Changing your light
help consumers take their notions of available on qualifying improvements. bulbs to more energy-efficient options
greater home energy efficiency and With project costs in hand, interested is a great first step and affordable to
put them into practice. Through clients can start their GreenStreet loan many, but when you look at installing
GreenStreet, low-interest financing is application. All GreenStreet Lending a high-efficiency water heater, it’s
available for both homeowners and products have no loan origination a significant financial investment.
small businesses to underwrite fees or closing costs, and flexible Having GreenStreet to work with
energy-saving improvements and terms. They’re applicable to a wide simplifies the whole process.”
solar energy systems. range of energy-saving improvements,
“Umpqua Bank and Energy Trust including:
launched GreenStreet Lending
through a shared commitment
to help Oregonians create long-
term energy savings through
an investment in their home or
business,” said Lani Hayward,
executive vice president of
creative strategies, Umpqua Bank.
“GreenStreet’s financing options
make it easy and affordable for
qualified borrowers to get the
assistance they need to make
environmentally responsible home
and business improvements.”
“Oregonians are facing ever-
increasing energy costs,” said
Margie Harris, executive director,
Energy Trust. “GreenStreet Lending
Page 13
OREgOn BankS dOnatE milliOnS OF dOllaRS EaCh yEaR tO COmmunity ORganizatiOnS th
• 4 Way Foundation • 4-H Clubs • AC Houton Elementary School • Academic Masters Foundation • ACCESS Inc. • ACE Mentor Program of Oregon • Achievement Rewards for College
Students • Addictions Recovery Center • Advantage Smiles for Kids • Adventist Medical Center • Affordable Community Environments • African American Health Coalition • Agape
Counseling Center • Ainsworth Elementary School • Albany Millersburg Economic Development Corporation • Albany Parks & Recreation • Albany Partnership for Housing • Albertina Kerr
Centers • Allen Hamner Foundation • Altrusa International • Alzheimer’s Association • American Cancer Society • American Diabetes Association • American Heart Association • American
Jewish Committee • American Legions • American Lung Association • American Red Cross • Amity Daffodil Festival • Amity Education Foundation • Amity High School • Amity Volunteer
Firefighters • Annie Ross House • Annual Scott Firefighter Stair Climb • ARC of Lane County • Arlington School District • Art Along the Rogue • Artists Repertory Theater • Artrain USA •
Arts Alliance of Yamhill County • Arts Central • Arts Council • Asian & Pacific Islander Community Improvement Association • Assistance Leagues • Associated Builders & Contractors •
Association for Corporate Growth • Association of Oregon Community Development Organizations • Astor Street Opry Company • Astoria Aquatics Center • Astoria High School Athletics
• Astoria Middle School • Astoria Parks & Community • Astoria Youth Athletics • Athena Library Friends Association • Babe Ruth Baseball Clubs • Baker Enterprise Growth Initiative • Ballet
Fantastique • Barlow Bruin Football • Basic Rights Education Fund • Beaumont Middle School • Beaverton Education Foundation • Beaverton Library Foundation • Bend Elks Baseball • Bend
Future Farmers of America • Bend High School Athletic Department • Bend LaPine Schools • Bend Swim Club • Bend Volunteers in Medicine • Benton Franklin Community Action
Committee • Bethany House • Bethel Christian School • Bethel Community Church Storehouse Fund • Big Brothers Big Sisters • Big Green Benefit Auction • Big Sky B-Ball • Birth to Three
• Bite of Salem • Blanchet House • Blue Heaven Therapeutic Riding Academy • Blue Mountain Health Care Foundation • Boardman Auction • Boardman Senior Center • Bob Belloni Ranch
• BodyVox • Bonanza Publishing • Boy Scouts of America • Boys and Girls Aid Society of Oregon • Boys and Girls Clubs • Bradley Angle House • Breaking Bread Productions • Brighton
Academy • Britt Music Festival • Broadway Rose Theatre Company • Buckman Arts Elementary School • Burns High School • Business Diversity Institute • Business Education Compact •
Byrom Elementary School • C.A.T.S. Pawsing for Art • C.S. Lewis Academy • Calapooia Middle School • Caldera • Camas Education Foundation • Camp Harlow • Camp Kiwanilong Board •
Camp Millenium • Campfire USA • Cancer Care Resources • Candlighters • Cannon Beach Arts Association • Cannon Beach Children’s Center • Cannon Beach Historical • Cares Northwest
• Carlton Fun Days • Carlton Together Cares • Cart-M Recycling • CASA • Casa de Belen • Cascade Aids Project • Cascade College • Cascade Community School of Music • Cascade Festival
of Music • Cascade Heights Public Charter School • Cascade Pacific Council • Cascade Pacific Resource Conservation and Development • Cascade Winds Symphonic Band • Cascadia • Case
Foundation • CASH Oregon • Catholic Charities • Catholic Community Services • Cedar Creek Child Care Center • Cedar Mill Community Library • Cedar Sinai Park • Centennial Future
Business Leaders of America • Center for Community Counseling • Center for New Americans • Central Oregon Commission on Transportation • Central Oregon Community College •
Central Oregon Council on Aging • Central Oregon Employer’s Council • Central Oregon Family Resource Center • Central Oregon Pee Wee Rodeo • Central Oregon Regional Housing
Authority • Central Oregon Veterans Outreach • Chambers of Commerce • Chautuaqua Festival • Chehalem Swim Team • Chehalem Valley Senior Citizens Council • Chehalem Youth &
Family Services • Chemeketa Community College • Chess for Success • Children Store • Children’s Advovacy Center • Children’s Cancer Association • Children’s Charity Ball • Children’s
Course • Children’s Home Society of Washington • Children’s Learning Center • Children’s Miracle Network • Children’s Music Theatre Group • Children’s Relief Nursery • Children’s
Theatre Foundation • Children’s Trust Fund of Oregon • Chiloquin Rodeo • Chiloquin Visions in Progress • Christie School • Christmas for Kids Foundation • Cinco De Mayo Committee •
Citizens for Responsibility & Ethics in Washington • Citizens for Safe Schools • City of Astoria • City of Cannon Beach • City of Carlton • City of Irrigon • City of Lake Oswego • City of
Medford • City of North Bend • City of Redmond • City of Rufus • City of Sandy Music • City of Sheridan • City of Spray • City of Warrenton • Clackamas Community Land Trust •
Clackamas County Fair and Rodeo • Clackamas County Meals on Wheels • Clackamas County Women’s Shelter • Clackamas Heritage Partners • Clark Community College • Classic Wines
Auction • Clatskanie Arts Commission • Clatsop Community Action • Clatsop Community College • Clatsop County Fair Board • Clatsop County Rodeo Association • Clatsop County
Shrine Circus • Clatsop County Women’s Resource Center • Clear Choice Foundation • Coalition for Kids • Coaster Theater Productions • COBA Tour of Homes • Columbia Cascade Housing
Corporation • Columbia Gorge Arts in Education • Columbia Gorge Discovery Center and Museum • Columbia Gorge Ecology institute • Columbia Learning Center • Columbia Memorial
Hospital • Columbia Pheasants 4Ever • Columbia Premier Soccer Club • Columbia Ridge Community Church • Columbia River Circuit Rodeo • Columbia River Harvestors • Columbia River
Maritime Museum • Columbia River Mental Health Services • Columbia Symphony Orchestra • Commercial Association of Realtors • Commercial Real Estate Women • Committed Partners
for Youth • Community Action Team • Community Connection of Northeast Oregon • Community Development Network of Multnomah County • Community Food for Creswell •
Community Heath Clinic • Community Housing Resource Center • Community Partners for Affordable Housing • Community Transitional School • Community Veterinay Center •
Community Vision • Community Womens Club • Community Works • Computer Recycling & Education Center • Concordia University • Condon Education • Condon High School •
Condon Youth Baseball • Confederated Tribes of the Grand Ronde Community of Oregon • Congregation Neveh Shalom • Consumer Credit Counseling • Coos Bay Area Zonta Service
Foundation • Coos County Fair • Corban College • Corbett Education Foundation • Cornerstone Community Church • Corvallis Neighborhood Housing Services • Corvallis OSU Symphony
Society • Cottrell Grade School’s Community Club • Cougar Booster Club • Crane Union High School • Crater Booster Club • Crater High Football Field • Crater Lake Council BSA • Craterian
Ginger Rogers Theater • Craterian Performances Company • Crook County High School Athletics • Crook County Kids Club • Crook County School Foundation • Crossroads Creative and
Performing Arts Center • Cystic Fibrosis Foundation • Damascus Day in the Park • Damascus Middle School • Damascus Parents Preschool Auction • daVinci Days • Day in Damascus •
Dayton CODE 1 • Dayton Education Foundation • Dayton High School • De La Salle North Catholic High School • De Paul Treatment Centers • Deep Creek Elementary • DeMolay -
Endowment Foundation of Oregon • DePaul Industries • Deschutes Academy • Deschutes Basin Land Trust • Deschutes Children’s Foundation • Deschutes County Fair & Rodeo • Deschutes
County Home Show • Deschutes County Sheriff’s Office • Deschutes Resources Conservancy • Dexter McCarty Middle School • Doernbecher Children’s Hospital Foundation • Dove Lewis
• Downtown Gresham Art Walk • Downtown Revitalization Implementation Committee • Dress for Success • Drexel H. Foundation • Duck Athletic Fund • Duck Derby • Ducks Unlimited
• Dundee Community Center • Dundee Fire/Rescue Volunteers • Dundee Parent Club • Eagle Point Foundation • Eagle Point High Boosters • East County One Stop • East Linn Christian
Academy • East Metro Association of Realtors • East Orient Elementary • East Side United Football • Easter Kids to Camp • Easter Seals Oregon • Eastern Oregon University • Eastwood School
• Eclectic Edge Events • Economic Development of Central Oregon • Ecumenical Ministries of Oregon • Elders in Action • Emanuel Children’s Hospital Foundation • Emerald Arts Center •
Emerald Kidsports • Emerald Valley Development Professionals • Epi Center • Equine Outreach • ERA Bowl a thon • Estacada Arts Commission • Estacada Community Foundation • Estuary
Cleanup • Eugene Active 20/30 Foundation • Eugene Ballet Company • Eugene Concert Choir • Eugene Education Fund • Eugene Emeralds • Eugene Hearing and Speech Center • Eugene
Mission • Eugene Opera • Eugene Schmuck Foundation • Eugene Swim & Tennis Club • Eugene Symphony Association • Evergreen Doe Humane Society • Evergreen Housing • Fair Housing
Council of Oregon • Faith Baptist Retreat • Faith Bible Golf Classic • Faith Enhanced Development Enterprises • Faith In Action • Families United for Independent Living • Family Access
Network • Family Building Blocks • Family Finance Resource Center • Family Friends • Family Relief Nursery • Family Worship Center • Farmworker Housing Development Corporation •
Film Action Oregon • First Book Eugene/Springfield • Firwood Elementary School • FISH • Focus on Youth • Food for Lane County • Fossil Community Scholarship • Fossil Cruzers • Fossil
School District • Foundation for Better Oregon • Fox Hollow Daycare • Friendly House • Friends of Amity Library • Friends of Kam Wah Chung & Co. Museum • Friends of Oregon Symphony
• Friends of Saturday Academy • Friends of the Amity Public Library • Friends of the Children • Friends of the Fair • Friends of the Family Ministries • Friends of the Sandy Pool • Friends of
the Sheridan Public Library • Friends of Timberline • Friends of Trees • Friendsview Retirement Community • Frontier Rental • Fulcrum Community Resources • Full Circle Outreach • Future
Farmers of America • Gales Creek Camp Foundation • Gallery Players • Gardner Enterprises • George Center Arts Center • George Fox University • Gilbert House Children’s Museum • Gilliam
County Fair Board • Ginger Rogers Craterian Theater • Girl Scouts • Girls Inc. of Northwest Oregon • Gladstone Boosters Club • Gladstone Senior Foundation • Glencoe High School •
Goldendale Festival of Wheels • Good Samaritan Hospital Foundation • Gospel Rescue Mission • Grace Center for Adult Day Care • Grand Sheramina Community Resources • Grant County
High School Rodeo • Grant County Kruzers • Grant County Senior Center • Grant High School Booster Club • Grants Pass Active Club • Grants Pass High School • Grants Pass Museum of
Art • Grants Pass School Booster Club • Grants Pass Senior Softball • Grants Pass Towne Center Association • Grants Pass University Women • Great Basin Visitor’s Association • Great NW
Pro Rodeo • Greater Oregon Behavioral Health • Greater Portland Tamil Mandram • Gresham Barlow Education Foundation • Gresham Dayz • Gresham Diamond Club • Gresham
Downtown Business Association • Gresham Girls ASA Softball • Gresham High School • Gresham Optimists • Gresham/Mt Hood Jazz Association • Gresham-Barlow School Bingo Night •
Habitat for Humanity • Hacienda Community Development Corp • Hands on Greater Portland • Hanthorn Cannery Foundation • Harney County Cattlewomen • Harney County
Opportunity Team, Inc. • Harney County School District • Harney District Hospital • Harney Youth Theatre Guild • Hayden Enterprises Giving Fund • Head Start • Healing Reins Therapeutic
Riding Center • Heart 2 Heart • Heart Institute of the Cascades • Hearts & Hands • Henderson House • Heppner Booster Club • Heppner Day Care • Hermiston Sports Booster • Hidden Valley
High School • High Desert ESD • High Desert Museum • High Desert Promotions • Hilhi Invent Team • Hillsboro Elks Club • Hillsboro Schools Foundation • Hillsboro Trap and Skeet Club
• Historic Elsinore Theatre • HIV Alliance • Hoffman Center • Holt International Children’s Services • Homeward Bound • Homowo Foundation for African Arts and Cultures • Hood River
Classic • Hoodland Fire District • Hoodland Senior Center • Hoops • Hope for Children Golf • Horizon Project • HOST Development • Hostelling International USA • Hot Rod Classic Charity
• Housecall Providers • Housing Development Center • Human Solutions • Humane Societies • Hunger Prevention Coalition • Hustler Baseball • I Have A Dream Foundation • Imago Del
Ministries • Imago Theatre • Independent Development Alliance • India Cultural Association • India Partners • Inner Court Family Center • Innovation Partnership • Inroads, Inc. Portland
• Insight Company • InterHospital Physicians Association • Ione Education Foundation • Ione School District • Irrigon Junior-Senior High School • Irrigon Library Fund • Irrigon Moose
Lodge • Irrigon Watermelon Festival • J Bar J High Desert Classic • J Bar J Youth Services • Jackson County Bar Association • Jackson County Shrine Circus • Jackson County Stockmen’s
Harvest Fair • Jackson-Hillcrest Cancer • Jackson-Red, White & Boom • Janus Youth Programs • Japan American Society Oregon • Japanese Garden Society of Oregon • Jasper Mountain
Center • Jefferson County Fair • Jefferson State Stampede • Jeld Wen Tradition • Jesuit High School • Jewell Elementary School • Jewish Federation of Portland • John G Shedd Institute for
the Arts • JOIN • Jordan’s Fund • Josephine County Food Bank Treasure Trove • Josephine County Junior Livestock Auction • Josephine County Libraries • Josephine County Mounted
Sheriff’s Posse • Junction City Local Aid • Junior Achievement • Junior Cougar Baseball Club • Junior Golf-Bend • Juniper Elementary • Juniper Singers • Juvenile Diabetes Foundation •
Juvenile Rights Project • K Falls Home Show • KBPS Public Radio Foundation • KDUK-FM • Keale Luau Foundation • Keizer United • Kemple Children’s Dental Clinic • Kennedy Middle
School • K-Falls Shrine Circus • KHS Found • Kiawanda Community Center • Kids Center • Kids Health Connection • Kids on the Block • Kids Unlimited of Oregon • Kidsports • Kiwanis
Clubs • Klamath Customer Appreciation • Klamath Ice Sports, Inc. • Klamath Pelican on Parade • Klamath Symphony • Komen Cancer Research • Krayon Kids Musical Theatre • La Clinicia
del Valle • Lake Creek Youth Camp • Lake Oswego Foundation for the Arts • Lakeview Library • Lane Community College • Lane County Medical Society • Lane Memorial Blood Bank • Lane
Metro Partnership • Lane Microbusiness • Latino Community Association • Latino Home Initiative • Latino Small Business Development Conference • Laura Barnett Memorial Art Fund •
Laurel Hill Center • Law Enforcement for Youth • LEAD • League of Women Voters • Learning-Intensive Networking Communities for Success • Lebanon Community Foundation • Lebanon
High School • Leukemia & Lymphoma Society • Lewis & Clark College • Lewis & Clark Legal Clinic • Liberty House • Liberty Restoration • Liberty Theater Restoration • Library Foundation
• Life Christian Academy • LifeWorks NW • Lincoln County Children’s Advocacy Center • Lincoln County Development Corp. • Lincoln County Fair & Rodeo • Linfield Chamber Orchestra
• Linfield College • Linn-Benton Community College • Lions Clubs • Lion’s Sight & Hearing Foundation • Literary Arts • Little Ballet Theatre • Little Leagues • Live on Stage • Livestock
Judging • Living Yoga • Loaves & Fishes Centers • Looking Glass Youth & Family Services • Lord Leebrick Theatre Company • Love INC • Lower Columbia Leadership Academy • Lower
Columbia River Estuary • Lower Columbia Youth Soccer Association • Lower Nehalem Community Trust • Lower Umpqua United Fund • Lupis Foundation of America NW Chapter •
Lutheran Family Services • Lynch Elementary School • Mable Rush Elementary School • Madison House • Madras Kids Club • Make A Wish Foundation of Oregon • Malheur County Fair •
Manazanita Elementary School • Mano A Mano • Manzanita Fireworks • March of Dimes • Mario Pastega House • Marist High School • Mark 2 Ministries • Maryhill Museum of Art •
Marylhurst University • Marysville Elementary • Mayday • Mayor’s Charity Ball • McKenzie Willamette Hospital • McMinnville 200 Club Football Program • McMinnville Adventist
Christian School • McMinnville Athletic Club • McMinnville Charitable Fund • McMinnville Education Foundation • McMinnville High School • McMinnville Jaycees Fireworks Display •
McMinnville Police Department • McMinnville Public Library • McMinnville School District • McMinnville Swim Club • McMinnville Young Life • McMinnville Youth Baseball & Softball
• McMinnville Youth Tackle Football League • Meals on Wheels • Medford Concert in the Park • Medford Cruise Association • Medford Greenway • Medford Home Show • Medford Jazz
Jubilee • Medford Line Backers • Mediation Works • Medical Teams International • Memorial Elementary School • Mercy Corp Enterprises • Mercy Foundation • MetroArts • Metropolitan
Affordable Housing • Metropolitan Family Services • Metropolitan Youth Symphony • Mid Columbia Health Foundation • Mid Lane Community Chest • Middle Rogue Salmon Derby •
hROughOut thE StatE. BElOw aRE SOmE OF thE ORganizatiOnS that RECEntly BEnEFitEd.
Mid-Valley Development Professionals • Mid-Valley Open Hole Sponsorship • Mid-Valley Rehabilitation • Mid-Valley Women’s Crisis Service • Milwaukie Providence • Minds Matter of
Portland • Miracle Theatre Company • Miss Oregon Pageant & Scholarship Foundation • Misty Mountain Family Enrichment Center • Mittleman Jewish Community Center • Mobility
International • Montessori School of Beaverton • Monument Senior Citizens • Morrison Child and Family Services • Mount View High School Girls Basketball • Mountain Star Family Relief
• Mountain View High School • MountainStar Family Relief Nursery • Mt. Bachelor Sports Education Foundation • Mt. Father’s House • Mt. Hood Christian Music Festival • Mt. Hood
Community College Foundation • Mt. Hood Cultural Center • Mt. Hood Festival of the Forest • Mt. Hood Jazz Festival • Mt. Hood Kiwanis Camp • Mt. Hood Medical Center Foundation •
Mt. Hood Preschool Annual Auction • Mt. Hood Repertory Theatre Company • Mt. Hood Roller Hockey League • Mt. Hood Swim Team • Mudd-Nick Golf Tournament • Multi Cultural
Integrated Kidney Education Program • Multnomah Bar Association • Multnomah Education Service District Foundation • Muscular Dystrophy Association • Museum at Warm Springs •
Music on the Bay • Music on the Half Shell • My Father & My Sister’s House • My Sister’s Place • Myrtle Point High School • National Alliance for Mental Illness • National Association of
Industrial Office Parks • National Brain Tumor Foundation • National Cancer Coalition • National Multiple Sclerosis Society • Native American Youth and Family Center • Nature Conservancy
in Oregon • Neah-Kah-Nie High School • Nehalem Volunteer Fire • Neighbor Impact • Neighborhood Economic Development Corporation • Neighborhood House • Neighborhood
Partnership Fund • New Avenues for Youth • New Blue Parrot Productions • New Columbia • New Discoveries • Newberg Animal Shelter Friends • Newberg Booster Club • Newberg Education
Foundation • Newberg High School • Newberg Lady Tigers • Newberg Old Fashion Festival • Newberg Police Department • Newberg Public Library • Newberg-Dundee Youth Outreach
Program • Newspapers in Education • Next Door • Next Step Recycling • Noah’s Quest Walk & Run • North Central ESD Early Education • North Coast Merchant Girls • North Coast Seafood
Fest • North County Recreation • North Gresham Grade School • North Ridge Estates • North Santiam Canyon Economic Development Corporation • North Sherman Preschool • North
Valley High School • Northwest Business for Culture and the Arts • Northwest Catholic Counseling Center • Northwest Children’s Theatre & School • Northwest Christian College •
Northwest Family Services • Northwest Housing Alternatives • Northwest Regional Education Service District • Northwest Youth Corps • Nuggets Baseball • NW Business Committee for the
Arts • NW Intercollegiate Rodeo • NW Planned Giving Roundtable • NW Youth Corps • Oasis Institute • O’Hara Catholic School • Old Time Radio • Olympic Orchestra • Once Upon a Horse
• Open Meadow Alternative Schools • Operation Hope • Operation Santa • Opportunity Cars • Opportunity Foundation • Opportunity Knocks • Oral Foundation for the Blind • Oregon
Alliance for Arts Education • Oregon Association of Chiefs of Police • Oregon Association of Community Organizations for Reform Now • Oregon Association of Minority Entrepreneurs •
Oregon Association of Realtors Home Foundation • Oregon Bach Festival • Oregon Ballet Theatre • Oregon Cadet National Team • Oregon Child Development Coalition • Oregon Children’s
Foundation • Oregon Children’s Theatre Company • Oregon City Antique Fair • Oregon City Youth Sports Baseball & Softball • Oregon Club • Oregon Coast Aquarium • Oregon Coast
Community Action • Oregon Coast Music Festival • Oregon College of Art and Craft • Oregon Community Foundation • Oregon Conservatory of Performing Arts • Oregon Council for the
Humanities • Oregon Council of the Arts • Oregon Council on Economic Education • Oregon Cultural Trust • Oregon Department of Human Services • Oregon Disaster Medical Team •
Oregon Environment Council • Oregon Ethics in Business • Oregon Festival Choirs • Oregon Food Bank • Oregon Health and Science University Foundation • Oregon Housing and
Community Services • Oregon Hunters Association • Oregon Impact • Oregon Independent College Foundation • Oregon Jamboree • Oregon Korean Foundation • Oregon Masonic
Charitable Foundation • Oregon Mentors • Oregon Microenterprise Network • Oregon Mozart Players • Oregon Museum of Science and Industry • Oregon Native American Business and
Entrepreneurial Network • Oregon Paleo Lands • Oregon Paralyzed Veterans of America • Oregon Partnership • Oregon Repertory Singers • Oregon Shakespeare Festival • Oregon Sports
Authority • Oregon State Parks Trust • Oregon State Police • Oregon State University • Oregon Symphony Association • Oregon Tech Foundation • Oregon Track Club • Oregon Tractor Pullers
Association • Oregon Trail Council • Oregon Trout • Oregon Vietnamese Community Association • Oregon Volunteers • Oregon Women for Agriculture • Oregon Women Lawyers • Oregon
Zoo • Our House of Portland • Outreach Ministries in Burnside • Pacific Community Health District Foundation • Pacific Northwest Kiwanis Foundation • Painted Hills Natural Beef • Pal
Youth Activity & Family Resource Center • Parent Enhancement Program • Parent Partnership • Parks & Recreation Foundation • Parrot Creek Child and Family Services • Partners for Seniors
• Partners-in-Progress • Pathways 2020 • Patriot Holidays • Patton Middle School • PBA Charitable Institute • PC Huckleberry Festival • Pear Blossom Festival Association • Pearl Buck Center
• Pendleton Academics • Pendleton Farmer’s Market • Perrydale School District • Peter Britt Gardens Music and Arts Festival Association • PHAME Academy • Phoenix School • Pilot Butte
Middle School • Pioneer Courthouse Square • Pioneer House • Pirate Wrestling • Pit Stop • Planned Parenthood • Playwrite, Inc. • Police Activities League • Polk County Fair Livestock
Auction • Polk County Historical Society • Portland Adventist Elementary • Portland Art Center • Portland Art Museum • Portland Business Alliance • Portland Center Stage • Portland
Children’s Museum • Portland Classical Chinese Garden • Portland Columbia Symphony • Portland Community Land Trust • Portland Community Reinvestment Initiatives • Portland
Festival Symphony • Portland French School • Portland Hope Meadows • Portland Housing Center • Portland Impact • Portland Jazz Festival • Portland Opera Association • Portland Parks
Foundation • Portland Reading Foundation • Portland Rescue Mission • Portland Rose Festival • Portland Rotary Charitable Trust • Portland Schools Foundation • Portland State University
• Portland Taiko • Portland Trail Blazers • Portland Youth Builders • Portland Youth Golf Association • Portland Youth Philharmonic Association • Portland-Bologna Sister City Association
• Positive Promotions • Praire City • Prarie Mountain School • Pregnancy Counseling and Information Center • Pregnancy Resource Centers • Prevention & Recovery NW • Pride Northwest
• Prineville Hospital Foundation • Profile Theater Project • Project HOPE • Project Quest • Project Walk • Providence Child Center Foundation • Providence Community Health Foundation
• Providence Medford Medical Center • Providence Newberg Health Foundation • PSU Business Outreach • PSU Foundation • Public Relations Society of America Foundation • Queen of the
Valley Medical Center Foundation • Quota International • R C Byrd Scholarship • R E Jewell Elementary School • Rainbow Family & Youth Services • Raphael House • REACH Community
Development • Reaching and Empowering All People • REALMS Middle School • Rebuilding Together • Red Cross • Redmond Community Child Care • Redmond Community Concert
Association • Redmond Downtown Partnership • Redmond Economic Development • Redmond Education Foundation • Redmond School District • Redwood Early Childhood Center •
Regional Arts and Culture Council • Relay for Life • Relief Nursery • Rex Putnam High School • Rhema Ministry • Ride Connection • Rimrock Pony Club • Rinehart Clinic • Rise Up India •
River of Life Ministries • River Theatre • Riverside Booster Club • Riverside Youth for Christ • Rock Creek Legion Baseball • Rock of Ages Mennonite Home • Rocky Mountain Elk Foundation
• Rodeo Parade • Rogue Community College • Rogue Dine & Discover • Rogue Duck Derby • Rogue Music Theatre • Rogue Opera • Rogue River Greenway Foundation • Rogue Valley Classic
Chevy • Rogue Valley Community Development Corporation • Rogue Valley Council • Rogue Valley Foundation • Rogue Valley Manor • Rogue Valley Symphony Association • Ronald
McDonald House • Rose Community Development Corporation • Rose Festival Ships • Roseburg Rotary Foundation • Ross Raglund • Rotary Clubs • Rotary International • Rotary Jump-N-
Activity Program • Royal Family Kids Camp • Rural Community Assistance Corporation • Rural Development Initiatives • Rural Voices for Conservation Coalition • RV Manor • Sacred Heart
Medical Center • Safe Haven • Saint Vincent de Paul Society • Salem Art Association • Salem Community Development Corporation • Salem Interfaith Hospitality Network • Salem Keizer
Education Foundation • Salem Leadership Foundation • Salem/Keizer Coalition for Equality • Salem-Keizer Community Development Corporation • Salem-Keizer Education Foundation •
Salvation Army • Sam Barlow Senior All Night Party • Sam Boardman Elementary School • Samaritan Pacific Hospital Foundation • Sandy Area Girls Softball Association • Sandy Cal Ripken
Baseball Association • Sandy Community Action Center • Sandy Fire Department • Sandy Grade School • Sandy High School • Sandy Historical Society • Sandy Kiwanis • Sandy Mountain
Festival • Sandy Octoberfest • Sandy Optimist Club • Sandy Pioneers Baseball • Sandy Police Department • Sandy Tackle Youth Football • Sandy Volunteer Firefighter’s Association • Sandy
Youth Baseball • Saturday Academy • Saving Grace Pet Adoption Center • Scandinavian Heritage Foundation • Scandinavian Midsummer Fest • School & Community Reuse Action Project
• School Foundation • Schoolhouse Supplies • Science Factory • SCORE • SE Works • Seaside Museum & Historical Society • Seaside Swim Team • Seaside Volunteer Fire & Rescue • Seattle
Japanese School PTA • Second Winds Community Band • Self Enhancement, Inc. • Seneca Park Project • Seneca School Bingo • Serendipity Center • Seventh Day Adventist Church • Share
the Wealth University • Shedd Institute for the Arts • ShelterCare • Shepherd Graphics • Sheridan Days • Sheridan High School • Sheridan Japanese School Foundation • Sheridan Public
Library Fund • Sheridan Rotary Mud Drag Races • Sherman Coop Preschool • Sherman County Senior Center • Sherwood Historical Society • Shorebank Enterprise • Shrine Clubs • Shriners
Children Hospital • Siletz Valley Friend of the Library • Sisters Folk Festival • Sisters High School Baseball • Sisters Jazz Festival • Sisters Organization for Activities & Recreation • Sisters
Outdoor Quilt Show • Sisters Rodeo Association • Sisters School Foundation • Siuslaw Outreach Services • Skanner Foundation • Smorgasbord Benefit Jewell • Snow-CAP • Snowman
Foundation • Social Services of Clackamas County • Social Venture Partners • SOLV • Soroptimist International • South Albany High School • South Clambake Jazz Festival • South Coast
Development Council • South Lane Wheels • South Medford Baseball Team • South Medford High Boosters • South Umpqua Historical Society • Southeast Oregon Regional FoodBank •
Southeast Uplift Neighborhood Program • Southern Oregon Adolescent Study & Treatment Center • Southern Oregon Business Conference • Southern Oregon Child and Family Council •
Southern Oregon Goodwill Awards • Southern Oregon Merchant Masters Bowling Tournament • Southern Oregon Regional Economic Development • Southern Oregon University •
Southwest Washington Independent • Sparrow Clubs USA • Special Districts Association of Oregon • Special Olympics • Sponsors, Inc. • Spray School • Springfield Public Library • Springfield
Renaissance Corporation • Springfield School District • St. Anne Catholic School • St. Barnabas Soup Kitchen • St. Charles Foundation • St. Charles Medical Center • St. James Catholic School
• St. John Lutheran School • St. Luke Lutheran Church • St. Mary, Star of the Sea Catholic School • St. Mary’s Academy • St. Mary’s Home • St. Michael’s Catholic Church • St. Paul Elementary
School • St. Paul High School • St. Vincent de Paul • Stand for Children Leadership Center • Starlight Run • Start Making A Reader Today • Step It Up • Store to Door • Strategic Economic
Development Corporation • Student Assistance Foundation • Suburban Auto Group Annual Cruise • Summit Contribution • Summit High School • Sunny Wolf Youth Services • Sunrise
Elementary School • Sunriver Anglers • Sunriver Music Festival • Sunriver Nature Center & Observatory • Sunriver Women’s Club • Sunset Empire Park and Recreation District • Susan Komen
Race for the Cure • Sutherlin Stampede Association • Takin’it to the Streets • Tamarack Wellness Center • Tears of Joy Theatre • Technical Assistance for Community Service • The Center
Foundation • The Child Center • The Children’s Course • The Dalles Freedom House • The Dalles Wahtonka Girls Basketball • The Dougy Center • Theatre West of Lincoln City • Thomas
A Edison High School • Three Rivers Community Hospital • Thugz Off Drugz • Tillamook County Fair • Tillamook County Futures Council Foundation • Tillicum Foundation • Timber
Truckers Parade • Tina Miller Teen Club • Today’s Lost Children • Touchmark Foundation • Tower Theater Foundation • Towne Center Association • Transition Projects • Trauma Intervention
Program of Portland • Traveling Children’s Heritage Museum • Treasure Valley Community College • Trillium Family Services • Trinity Lutheran Church Preschool • Trout Lake Fair Program
• Troutdale Bite & Bluegrass Festival • Troutdale Historical Society • Tualatin Hills Park & Recreation District • Tualatin Riverkeepers • Tualatin Valley Housing Partners • Tucker-Maxon Oral
School • Tulelake Fair • Turkey 2 Step Dance • Turning Point Community Center • Twin Rivers Church Food Closet • Umatilla Electric COOP • Umatilla Junior Golf • Umpqua Actors
Community Theatre • Umpqua Community Action Network • Umpqua Community Development Corporation • Umpqua Community Health Clinic • Umpqua Symphony Association •
Umpqua Valley Arts Association • Uniontown Association Newsletter • United Fund of the Lower Umpqua • United Way • University Club Foundation • University of Oregon • Unlimited
Choices • Upper Deschutes Watershed Council • Upper Willamette Development Corporation • Uptown Girls Bakery • Urban League • Vancouver National Historic Trust • Vancouver School
District Foundation • Vancouver Symphony Orchestra • Veritas School • Vernonia Cares • Veterans Commemoration Association • Veteran’s Memorial • Veterans of Foreign Wars • Veterans
of Oregon • VFW Poppies • View Acres Elementary School • Virginia Garcia Memorial Health Center • Vista Masonic Lodge • Volunteer Foundation • Volunteers in Medicine Clinic •
Volunteers of America • Waldport Beachcomber Days • Walk in the Park • Wallowa County Business Facilitation • Wallowa County Steak Sale • Waluga Junior High • Warrant Kids •
Warrenton Hall of Fame • Wasco Salmon/Steelhead Tournament • Washington County Historical Society • Washington State Mounted Shooters • Water for Life • Watermelon Festival Float
• Welches Baseball and Softball Association • Welches School ABC Auction • West Gresham Elementary School • West Portland Boxing • West Salem Business Association • West Tuality Golf
• Western Mennonite School • Western Oregon University Development Foundation • Western Rivers Girl Scouts Council • Western Trails Riding • Westside Christian High School • Wheeler
County Mule Days • Wheeler Point Volunteer Fire Association • White Bird • Whiteaker Community Dinners • Wild Rogue Balloon Festival • Wilderness Trails • Wildland Firefighter
Foundation • Wildlife Images Rehabilitation and Education Center • Willamette Falls Hospital Foundation • Willamette Family Center • Willamette Farm & Food Coalition • Willamette
Neighborhood Housing Services • Willamette Repertory Theatre • Willamette University • Willamette Valley Cancer Foundation • Willamette Valley Development Officers • Willamette
Valley Hospice • Willamette Valley Pop Warner Football • Willamette West • Willamina High School • Wilson High School • Wilsonville High School • Windy River Elementary School •
Winter Lights Festival • Wolftree • Women Crisis Support • Women of Purpose • Women’s Resource Center of Central Oregon • Women’s Safety and Resource Center • Women’s School
Foundation of Klamath County • WomenSpace • Wonderland Express • Wood Middle School • Working Wonders Children’s Museum • World Affairs Council • Wresle Now! • Write Around
Portland • Yamhelas Community Resource Center • Yamhill Community Action Partnership • Yamhill Community Club • Yamhill County Affordable Housing Corporation • Yamhill County
Association of Realtors • Yamhill County Council for the Handicapped • Yamhill County Developmental Disabilities Program • Yamhill County Fairgrounds • Yamhill County Historical
Society • Yamhill County Search and Rescue • Yamhill County Sheriff’s Posse • Yamhill-Carlton Alumni Football • Yamhill-Carlton School District • Yes to a College Campus • YMCAs •
Young Audiences • Young Writers Association • Younglife • Youth Builders • Youth for Christ • Youth Impact • Youth Symphony of Southern Oregon • YWCAs •
503-581-3522 • www.OREgOnBankERS.COm
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