Bank One, Fresno, National Association in Fresno, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 03, 1994

  • Bank One, Fresno, National Association in Fresno, California (CA)
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Bank One, Fresno, National Association - Overview

  • General
  • FDIC Certificate #: 22622
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: ValliWide Bank (#21166)
    Federal Reserve ID: 743464
    Date Established: March 16, 1978
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Interstate: No)
    FDIC's unique #: 15782
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 16, 1978
    Last Structure Change Effective Date: December 03, 1994
    Last Structure Change Process Date: Febuary 02, 1995
    Last Data Update: Febuary 02, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1315 Van Ness Avenue, Fresno, CA 93721
    County: Fresno
    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): Fresno, CA (#2840)
    Combined Statistical Area (CSA): Fresno-Madera, CA (#260)
    Core Based Statistical Area (CBSA): Fresno, CA (#23420)
    CBSA Metro Statistical Area: Fresno, CA (#23420)
  • Financial Summary
  • Total assets: $155.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $135Total assets
  • $129,306Cash and due from depository institutions
  • $11,085Interest-bearing balances
  • $0Securities
  • $8,189Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $105,436Loan loss allowance
  • $1,626Trading account assets
  • $0Bank premises and fixed assets
  • $1,906Other real estate owned
  • $879Goodwill and other intangibles
  • $1,811Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $129,306Total liabilities
  • $117,001Total deposits
  • $100,804Interest-bearing deposits
  • $63,398Deposits held in domestic offices
  • 100804.00%% insured (estimated)
  • $73Federal funds purchased & repurchase agreements
  • $4,915Trading liabilities
  • $0Other borrowed funds
  • $10,000Subordinated debt
  • $0All other liabilities
  • $1,282Total equity capital
  • $1,282Total bank equity capital
  • $12,305Perpetual preferred stock
  • $0Common stock
  • $4,152Surplus
  • $4,152Undivided profits
  • Memoranda
  • $4,001Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,867Income earned, not collected on loans
  • $524Earning assets
  • $113,625Long-term assets (5+ years)
  • $19,480Average Assets, year-to-date
  • $153,325Average Assets, quarterly
  • $132,451Volatile liabilities
  • $28,498Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $7,252Unused loan commitments
  • $46,789Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $12,305Total risk weighted assets
  • $121,009Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,582Total interest expense
  • $2,166Net interest income
  • $9,416Provision for loan and lease losses
  • $660Total noninterest income
  • $1,625Fiduciary activities
  • $0Service charges on deposit accounts
  • $656Trading account gains & fees
  • $0Additional noninterest income
  • $969Total noninterest expense
  • $8,147Salaries and employee benefits
  • $4,135Premises and equipment expense
  • $1,073Additional noninterest expense
  • $2,939Pre-tax net operating income
  • $2,234Securities gains (losses)
  • $0Applicable income taxes
  • $912Income before extraordinary items
  • $1,322Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,322Net charge-offs
  • $1,132Cash dividends
  • $1,509Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.40%Cost of funding earning assets
  • 1.57%Net interest margin
  • 6.83%Noninterest income to earning assets
  • 1.18%Noninterest expense to earning assets
  • 5.91%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 1.46%Return on equity (ROE)
  • 10.73%Retained earnings to average equity (YTD only)
  • -1.52%Net charge-offs to loans
  • 1.08%Credit loss provision to net charge-offs
  • 58.30%Efficiency ratio
  • 73,789Assets per employee
  • 0.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 114.15%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 87.09%Noncurrent assets plus other real estate owned to assets
  • 2.12%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 104.60%Net loans and leases to core deposits
  • 120.88%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 10.17%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $153,325Average earning assets
  • $12,326Average equity
  • $137,941Average loans

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