FDIC Certificate #: 34557 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Umpqua Bank (#17266) Federal Reserve ID: 2651675 Date Established: Febuary 02, 1998 WWW:http://www.auburncommunity.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 59065 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: Febuary 02, 1998 Last Structure Change Effective Date: June 03, 2006 Last Structure Change Process Date: June 08, 2006 Last Data Update: June 08, 2006 Data Source Date: April 05, 2012
Location
Address: 500 Auburn Folson Road, Auburn, CA 95603 County: Placer Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Sacramento Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Sacramento, CA (#6920) Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82) Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472) Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900) CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
Financial Summary
Total assets: $135.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
27Total employees (full-time equivalent)
$137,227Total assets
$3,535Cash and due from depository institutions
$199Interest-bearing balances
$0Securities
$760Federal funds sold & reverse repurchase agreements
$111,023Net loans & leases
$1,625Loan loss allowance
$0Trading account assets
$760Bank premises and fixed assets
$0Other real estate owned
$15,823Goodwill and other intangibles
$0Life insurance assets
$5,326All other assets
$137,227Total liabilities and capital
$109,469Total liabilities
$94,266Total deposits
$74,059Interest-bearing deposits
$94,266Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$13,000Other borrowed funds
$0Subordinated debt
$2,203All other liabilities
$27,758Total equity capital
$27,758Total bank equity capital
$27,758Perpetual preferred stock
$0Common stock
$24,684Surplus
$1,000Undivided profits
Memoranda
$2,074Noncurrent loans and leases
$37,531Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$436Average Assets, year-to-date
$111,982Average Assets, quarterly
$2,232Volatile liabilities
$134,955Insider loans
$135,157FHLB advances
$28,657Loans and leases held for sale
$3,251Unused loan commitments
$13,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$37,531Total unused commitments
$0Restructured Loans and leases
$1,478Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$8,305Total interest income
$1,919Total interest expense
$6,386Net interest income
$345Provision for loan and lease losses
$840Total noninterest income
$0Fiduciary activities
$458Service charges on deposit accounts
$0Trading account gains & fees
$382Additional noninterest income
$3,348Total noninterest expense
$1,571Salaries and employee benefits
$455Premises and equipment expense
$1,322Additional noninterest expense
$3,533Pre-tax net operating income
$0Securities gains (losses)
$1,459Applicable income taxes
$2,074Income before extraordinary items
$0Extraordinary gains - net
$2,074Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$14Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.54%Yield on earning assets
1.74%Cost of funding earning assets
5.80%Net interest margin
0.76%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
1.54%Net operating income to assets
1.54%Return on assets (ROA)
2.62%Pretax return on assets
7.83%Return on equity (ROE)
7.83%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
2464.29%Credit loss provision to net charge-offs
277.00%Efficiency ratio
43,800Assets per employee
5.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
117.78%Net loans and leases to core deposits
149.81%Equity capital to assets
20.23%Core capital (leverage) ratio
10.46%Tier 1 risk-based capital ratio
10.56%Total risk-based capital ratio
Memoranda
$12Average assets
$134,955Average earning assets
$26,482Average equity
$110,118Average loans
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