Bank of Alameda in city_name, state_name - Detailed Financial Reports, Location

Bank of Alameda in Alameda, California (CA)
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Bank of Alameda routing number info

Bank of Alameda - Overview

General
FDIC Certificate #: 34577
Status: Active
Federal Reserve ID: 2679839
Bank Holding Company (Regulatory Top Holder): Norcal Community Bancorp (RSSDID: 3112119, Location: Alameda, CA)
Date Established: March 23, 1998
WWW: http://www.bankofalameda.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 60636
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 23, 1998
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 2130 Otis Drive, Alameda, CA 94501
County: Alameda
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: San Francisco
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Oakland, CA (#5775)
Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $247.8 mil
Equity capital: $28.8 mil
Deposits held in domestic offices: $218.4 mil
Return on assets (ROA): 0.25% ($0.6 mil)
Quarterly return on assets: 0.56% ($1.4 mil)
Return on Equity (ROE): 2.19% ($0.6 mil)
Quarterly return on equity: 4.92% ($1.4 mil)
Net income: $0.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.28% ($693.8 mil)
Quarterly Pretax return on assets: 0.56% ($1,387.6 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, 2011)

Dollar figures in thousands
57Total employees (full-time equivalent)
$247,794Total assets
$17,603Cash and due from depository institutions
$15,900Interest-bearing balances
$64,136Securities
$0Federal funds sold & reverse repurchase agreements
$161,036Net loans & leases
$4,807Loan loss allowance
$0Trading account assets
$143Bank premises and fixed assets
$1,844Other real estate owned
$10Goodwill and other intangibles
$247,795Life insurance assets
$3,022All other assets
$219,037Total liabilities and capital
$218,423Total liabilities
$153,086Total deposits
$218,423Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$614Subordinated debt
$28,758All other liabilities
$28,758Total equity capital
$28,758Total bank equity capital
$0Perpetual preferred stock
$7,616Common stock
$15,825Surplus
$5,317Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,647Income earned, not collected on loans
$0Earning assets
$1,060Long-term assets (5+ years)
$241,072Average Assets, year-to-date
$95,506Average Assets, quarterly
$251,621Volatile liabilities
$251,100Insider loans
$176,173FHLB advances
$252,024Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$28,600Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$31,787Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,512Total interest income
$682Total interest expense
$9,830Net interest income
$900Provision for loan and lease losses
$710Total noninterest income
$0Fiduciary activities
$390Service charges on deposit accounts
$0Trading account gains & fees
$320Additional noninterest income
$8,934Total noninterest expense
$4,682Salaries and employee benefits
$1,491Premises and equipment expense
$2,761Additional noninterest expense
$706Pre-tax net operating income
$0Securities gains (losses)
$87Applicable income taxes
$619Income before extraordinary items
$0Extraordinary gains - net
$619Net income attributable to bank
$0Net charge-offs
$619Cash dividends
$1,913Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.33%Yield on earning assets
0.28%Cost of funding earning assets
4.05%Net interest margin
0.29%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
0.25%Net operating income to assets
0.25%Return on assets (ROA)
0.28%Pretax return on assets
2.19%Return on equity (ROE)
2.19%Retained earnings to average equity (YTD only)
1.18%Net charge-offs to loans
47.05%Credit loss provision to net charge-offs
0.84%Efficiency ratio
84,763Assets per employee
4.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.90%Loss allowance to noncurrent loans
62.86%Noncurrent assets plus other real estate owned to assets
3.83%Noncurrent loans to loans
4.61%Net loans and leases to deposits
73.73%Net loans and leases to core deposits
74.68%Equity capital to assets
11.61%Core capital (leverage) ratio
11.35%Tier 1 risk-based capital ratio
16.23%Total risk-based capital ratio
Memoranda
$18Average assets
$251,621Average earning assets
$28,283Average equity
$242,604Average loans

List of branches

6 California Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	60636	Bank Of Alameda	2130 Otis Drive, Alameda, CA 94501	March 23, 1998	Full Service Brick and Mortar
1	290702	Park Street Branch	1416 Park Street, Alameda, CA 94501	April 19, 1999	Full Service Brick and Mortar
4	362900	Emeryville Commercial Branch	2200 Powell Street, Ste. 105, Emeryville, CA 94608	January 22, 2002	Full Service Brick and Mortar
5	426809	Broadway Branch	155 Grand Avenue Suite 100, Oakland, CA 94612	March 31, 2004	Full Service Brick and Mortar
6	442249	Walnut Creek Lpo Branch	2125 Oak Grove Road Ste 124, Walnut Creek, CA 94598	September 01, 2004	Limited Service Administrative
7	453081	Administration Branch	1701 Harbor Bay Pkwy, Ste 100, Alameda, CA 94502	January 20, 2006	Limited Service Administrative

Bank of Alameda in Alameda, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Alameda - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Alameda in Alameda, California (CA)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Alameda - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Alameda in Alameda, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches