FDIC Certificate #: 24799 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:American River Bank (#24655) Federal Reserve ID: 188364 Date Established: November 21, 1983 WWW:http://www.bankofamador.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 17206 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: November 21, 1983 Last Structure Change Effective Date: December 03, 2004 Last Structure Change Process Date: December 14, 2004 Last Data Update: December 14, 2004 Data Source Date: April 05, 2012
Location
Address: 422 Sutter Street, Jackson, CA 95642 County: Amador 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
Financial Summary
Total assets: $136.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
35Total employees (full-time equivalent)
$122,779Total assets
$4,235Cash and due from depository institutions
$100Interest-bearing balances
$15,470Securities
$23,906Federal funds sold & reverse repurchase agreements
$74,899Net loans & leases
$808Loan loss allowance
$0Trading account assets
$351Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,918All other assets
$122,779Total liabilities and capital
$107,806Total liabilities
$107,234Total deposits
$85,169Interest-bearing deposits
$107,234Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$572All other liabilities
$14,973Total equity capital
$14,973Total bank equity capital
$14,973Perpetual preferred stock
$0Common stock
$7,009Surplus
$0Undivided profits
Memoranda
$7,964Noncurrent loans and leases
$35,990Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$463Earning assets
$0Long-term assets (5+ years)
$449Average Assets, year-to-date
$114,375Average Assets, quarterly
$10,879Volatile liabilities
$113,673Insider loans
$122,649FHLB advances
$9,144Loans and leases held for sale
$976Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$35,990Total unused commitments
$0Restructured Loans and leases
$878Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$6,629Total interest income
$1,214Total interest expense
$5,415Net interest income
$104Provision for loan and lease losses
$522Total noninterest income
$0Fiduciary activities
$222Service charges on deposit accounts
$0Trading account gains & fees
$300Additional noninterest income
$2,574Total noninterest expense
$1,224Salaries and employee benefits
$387Premises and equipment expense
$963Additional noninterest expense
$3,259Pre-tax net operating income
$0Securities gains (losses)
$1,195Applicable income taxes
$2,064Income before extraordinary items
$0Extraordinary gains - net
$2,064Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1Sale, conversion, retirement of capital stock, net
$1,337Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.22%Yield on earning assets
1.14%Cost of funding earning assets
5.08%Net interest margin
0.49%Noninterest income to earning assets
2.42%Noninterest expense to earning assets
1.82%Net operating income to assets
1.82%Return on assets (ROA)
2.87%Pretax return on assets
14.48%Return on equity (ROE)
5.10%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
10400.00%Credit loss provision to net charge-offs
3363.00%Efficiency ratio
43,355Assets per employee
3.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.78%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
174.51%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.61%Net loans and leases to deposits
69.85%Net loans and leases to core deposits
76.36%Equity capital to assets
12.20%Core capital (leverage) ratio
11.99%Tier 1 risk-based capital ratio
16.22%Total risk-based capital ratio
Memoranda
$17Average assets
$113,673Average earning assets
$14,249Average equity
$106,551Average loans
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