OKANOGAN COUNTY – We present an analysis of the US Small Business Administration (SBA) data for the 2020 Payroll Protection Program (PPP) loans for Okanogan County. These PPP loans are from Donald Trump’s efforts to mitigate the impact of coronavirus restrictions on small businesses and save businesses and jobs. The data here is from larger loans of over $150,000 dollars. This over-$150k loan data from the SBA provides the loan amounts and names and addresses of the recipient companies for better transparency.
All told, these local large PPP loans – fifty-nine in total – brought $35,334,602.50 into Okanogan County to help preserve a reported 3,500 jobs for 2.5 months in 2020. The jobs involved were self-reported by each loan recipient, and the actual number is probably higher than the total here because there were a number of reported 0 jobs or where a number was missing entirely.
The over thirty-five million dollar total loan amount, an average of $717,100 per loan, further breaks down to $10,113 per job supported for 2.5 months. These large loans brought into Okanogan County can also be extrapolated to show that they are based on an average $48,542 annual wage.
Up to 100% of the loans may be forgivable, depending on how many workers were laid off in 2020 as compared to 2019. Any amount that is not forgivable, incurs a 1% interest rate, and a repayment period of either 2 years, or 5 years – depending on whether the loan was finalized before or after the more relaxed rules were put into place later in the summer.
When broken down by business location, the Brewster area is at the top with 17 loans. Omak is second with 11 loans, and Okanogan is third at 7 loans. Fourth, Tonasket and Winthrop are tied with 6 loans apiece. Oroville has 4 loans. And 2 loans for Grand Coulee.
The breakdown by industry shows that the largest number of loans to a single industry went to apple orchards, with 6 large loans. The second largest single industry, with five loans, was supermarkets and other grocery stores. With 4 loans, 3rd place, is general medical and surgical hospitals. Skilled nursing care facilities tied in 4th place along with new car dealers, with 3 loans each.
The business types of entities that received PPP loans were:
• Corporations – 21 loans
• LLCs and LLPs – 21 loans
• S Corps, and partnerships – 7 loans
• Non-profit organizations – 5 loans
In addition, there were three loans to Professional Associations. Lastly, there was one loan to an Independent Contractor.
Of the lenders writing these loans, Glacier Bank (locally as North Cascades National Bank) wrote the most loans, at 23 total. Umpqua Bank was second with 8 loans. Washington Trust Bank came in third with 5 loans. Keybank wrote 4 loans, fourth place. Fifth place was US Bank with 3 loans.
When combined with small PPP loans of less-than-150K, the total PPP loans into Okanogan County is $55.37 million dollars. Total reported jobs supported is at least 7500 jobs.
See companion article for data on small PPP Loans - Twenty million dollars brought into Okanogan County via 600 small Payroll Protection loans, supporting 4,000 jobs
List of large PPP loan recipients is in the table below:
| LoanAmount | BusinessName | City | NAICSCode | BusinessType | JobsReported | Lender |
| $839,200.00 | APPLE HOUSE WAREHOUSE & STORAGE INC | BREWSTER | 115114 | Corporation | Washington Trust Bank | |
| $831,650.00 | C & S ORCHARDS II L.P. | BREWSTER | 111331 | Partnership | 181 | KeyBank National Association |
| $400,000.00 | CENTRAL WASHINGTON SLEEP DIAGNOSTICS CENTER, PLLC | BREWSTER | 923130 | Limited Liability Company(LLC) | 37 | Umpqua Bank |
| $771,200.00 | CRANE & CRANE, INC. | BREWSTER | 445230 | Corporation | 111 | KeyBank National Association |
| $314,900.00 | ERLANDSEN & ASSOCIATES, INC. | BREWSTER | 541370 | Corporation | 16 | Glacier Bank |
| $379,600.00 | GAMBLE SANDS OPERATIONS LLC | BREWSTER | 713910 | Limited Liability Company(LLC) | 44 | Glacier Bank |
| $243,700.00 | GEBBERS CATTLE, LTD | BREWSTER | 112111 | Limited Liability Partnership | 0 | Washington Trust Bank |
| $259,600.00 | GEBBERS WICK ORCHARDS LP | BREWSTER | 111331 | Partnership | 0 | Washington Trust Bank |
| $1,019,900.00 | HONEYBEAR GROWERS LLC | BREWSTER | 484110 | Limited Liability Company(LLC) | 131 | Foresight Bank |
| $325,137.00 | MAC & CASS PARTNERSHIP | Brewster | 111331 | Limited Liability Partnership | 170 | Glacier Bank |
| $537,400.00 | MBB BREWSTER, LLC | BREWSTER | 623110 | Limited Liability Company(LLC) | 79 | BOKF, National Association |
| $172,300.00 | O'CONNELL DRILLING AND SUPPLY LLC | BREWSTER | 213111 | Limited Liability Company(LLC) | 14 | Glacier Bank |
| $1,271,500.00 | OKANOGAN DOUGLAS DISTRICT HOSPITAL # 1 | BREWSTER | 622110 | Professional Association | 105 | Wheatland Bank |
| $206,100.00 | ON POINT ORCHARDS LLC | BREWSTER | 561499 | Limited Liability Company(LLC) | 43 | Umpqua Bank |
| $409,400.00 | TRI-RIVER GROCERY INC. | BREWSTER | 445110 | Corporation | 60 | Glacier Bank |
| $856,173.00 | U.S. ELECTRODYNAMICS, INC. | BREWSTER | 517410 | Subchapter S Corporation | 51 | Bank of America, National Association |
| $323,900.00 | VIP AGENCY GROUP LLC | BREWSTER | 524210 | Limited Liability Company(LLC) | 30 | Glacier Bank |
| $2,774,900.00 | DOUGLAS, GRANT, LINCOLN & OKANOGAN COUNTIES PUBLIC HOSPITAL | GRAND COULEE | 622110 | Non-Profit Organization | 229 | Glacier Bank |
| $366,900.00 | JESS FORD OF GRAND COULEE, LLC | GRAND COULEE | 441110 | Limited Liability Company(LLC) | 47 | Umpqua Bank |
| $255,937.00 | MILLWORK & PAINT SPECIALTIES LLC | LOOMIS | 238320 | Limited Liability Company(LLC) | 24 | First Interstate Bank |
| $166,112.00 | MAZAMA COUNTRY STORE LLC | MAZAMA | 445110 | Limited Liability Company(LLC) | 35 | Glacier Bank |
| $196,575.00 | STENNES ORCHARDS, INC. | METHOW | 111336 | Corporation | 30 | Glacier Bank |
| $152,250.00 | COLVILLE TRIBAL CREDIT CORPORATION | Nespelem | 522390 | 13 | KeyBank National Association | |
| $274,100.00 | C.G.M. INC. LLC | OKANOGAN | 423310 | Limited Liability Company(LLC) | 32 | Glacier Bank |
| $2,884,000.00 | FAMILY HEALTH CENTERS | OKANOGAN | 621498 | Non-Profit Organization | 0 | Washington Trust Bank |
| $232,700.00 | HOUSTONS SERVICES INC | OKANOGAN | 488410 | Subchapter S Corporation | 0 | Washington Trust Bank |
| $277,300.00 | NORTH VALLEY MECHANICAL, INC | OKANOGAN | 236220 | Corporation | 23 | Peoples Bank |
| $178,600.00 | OKANOGAN COUNTY COMMUNITY ACTION COUNCIL | OKANOGAN | 813319 | Non-Profit Organization | 19 | Glacier Bank |
| $171,930.00 | PHIL BEE FOODS LLC | OKANOGAN | 445110 | Corporation | 0 | Glacier Bank |
| $413,500.00 | WHITLEY FUEL LLC | OKANOGAN | 454310 | Limited Liability Company(LLC) | 24 | Glacier Bank |
| $170,400.00 | AZZANO FARMS, INC. | OMAK | 111331 | Corporation | 22 | Glacier Bank |
| $227,185.00 | CATES & ERB INC AND MICHAEL A | OMAK | 237310 | Corporation | 12 | Montana Community Development Corp. |
| $3,891,537.50 | COLVILLE GAMING LLC | Omak | 721120 | Limited Liability Company(LLC) | 439 | KeyBank National Association |
| $157,700.00 | DON KRUSE ELECTRIC, INC. | OMAK | 238210 | Corporation | 14 | Glacier Bank |
| $164,050.00 | FREESE MANAGEMENT LIMITED LIABILITYCOMPANY | OMAK | Limited Liability Company(LLC) | 27 | JPMorgan Chase Bank, National Association | |
| $417,300.00 | JESS AUTO LLC | OMAK | 441110 | Limited Liability Company(LLC) | 69 | Umpqua Bank |
| $187,500.00 | NCI DATACOM, INC | OMAK | 517110 | Corporation | 23 | Glacier Bank |
| $3,693,900.00 | OKANOGAN COUNTY PUBLIC HOSPITAL DISTRICT #3 | OMAK | 622110 | Non-Profit Organization | 259 | Glacier Bank |
| $173,105.00 | PINE CREEK PACK, LLC | OMAK | 424480 | Limited Liability Company(LLC) | 21 | JPMorgan Chase Bank, National Association |
| $573,900.00 | REGENCY OMAK, LLC | OMAK | 623110 | Limited Liability Company(LLC) | 64 | BOKF, National Association |
| $407,600.00 | SUNRISE CHEVROLET, INC. | OMAK | 441110 | Subchapter S Corporation | 44 | Zions Bank, A Division of |
| $173,800.00 | AKINS FOODS-OROVILLE, INC | OROVILLE | 445110 | Corporation | 32 | Wheatland Bank |
| $227,600.00 | GORDON WOLLEY TRUCKING, INC. | Oroville | 484121 | Subchapter S Corporation | 24 | Fountainhead SBF LLC |
| $1,073,000.00 | OROVILLE REMAN & RELOAD, INC. | OROVILLE | 484220 | Corporation | 126 | Umpqua Bank |
| $165,158.00 | WERNER TREE FRUITS | OROVILLE | 111339 | Corporation | 0 | Wells Fargo Bank, National Association |
| $308,800.00 | TREE FRUIT MANAGEMENT COMPANY LLC | PATEROS | 111331 | Limited Liability Company(LLC) | 167 | Glacier Bank |
| $648,100.00 | LONG TERM CARE DIVISION OF O C P H D 4 | TONASKET | 623110 | Professional Association | 89 | Umpqua Bank |
| $362,840.00 | MIDWAY BUILDING SUPPLY, INC. | TONASKET | 444130 | Subchapter S Corporation | 43 | U.S. Bank, National Association |
| $255,000.00 | NORTHWESTERN ORCHARDS, LLC | TONASKET | 111331 | Limited Liability Company(LLC) | 68 | Umpqua Bank |
| $1,851,400.00 | OKANOGAN COUNTY PUBLIC HOSPITAL DIST # 4 | TONASKET | 622110 | Professional Association | 181 | Umpqua Bank |
| $228,380.00 | PACIFIC CALCIUM, INC. | TONASKET | 325312 | Corporation | 25 | U.S. Bank, National Association |
| $191,510.00 | SMITH & NELSON, INC. | Tonasket | 111219 | Corporation | 30 | Potlatch No. 1 Financial Credit Union |
| $540,900.00 | HANK'S MARKET, INC. | TWISP | 445110 | Corporation | 75 | Glacier Bank |
| $162,680.00 | CASCADE CONCRETE PRODUCTS CO INC | WINTHROP | 423320 | Corporation | 12 | U.S. Bank, National Association |
| $182,150.00 | ELLIOTT LAYFIELD | WINTHROP | 114119 | Independent Contractors | 5 | Glacier Bank |
| $172,300.00 | LITTLE STAR SCHOOL - MONTESSORI | WINTHROP | 611110 | Non-Profit Organization | 40 | Glacier Bank |
| $214,800.00 | OLD SCHOOLHOUSE BREWERY | WINTHROP | 424810 | Corporation | 35 | Glacier Bank |
| $169,220.00 | PRESTIGE FISHERIES | WINTHROP | 114111 | Corporation | 0 | Glacier Bank |
| $836,323.00 | SUN MOUNTAIN LODGE, INC. | WINTHROP | 721110 | Corporation | Columbia State Bank |
