Bank of Lodi, National Association in city_name, state_name

Bank of Lodi, National Association in Lodi, California (CA)
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Bank of Lodi, National Association - Overview

General
FDIC Certificate #: 24606
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Placer Sierra Bank (#30307)
Federal Reserve ID: 777160
Date Established: July 18, 1983
WWW: http://www.bankoflodi.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 9 (Interstate: No)
FDIC's unique #: 17090
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: July 18, 1983
Last Structure Change Effective Date: December 11, 2004
Last Structure Change Process Date: December 20, 2004
Last Data Update: December 20, 2004
Data Source Date: April 05, 2012
Location
Address: 701 South Ham Lane, Lodi, CA 95242
County: San Joaquin
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): Stockton-Lodi, CA (#8120)
Core Based Statistical Area (CBSA): Stockton, CA (#44700)
CBSA Metro Statistical Area: Stockton, CA (#44700)
Financial Summary
Total assets: $331.5 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
130Total employees (full-time equivalent)
$320,112Total assets
$17,491Cash and due from depository institutions
$0Interest-bearing balances
$90,270Securities
$8,034Federal funds sold & reverse repurchase agreements
$178,525Net loans & leases
$3,262Loan loss allowance
$0Trading account assets
$6,376Bank premises and fixed assets
$0Other real estate owned
$518Goodwill and other intangibles
$0Life insurance assets
$18,898All other assets
$320,112Total liabilities and capital
$298,089Total liabilities
$280,920Total deposits
$230,411Interest-bearing deposits
$280,920Deposits held in domestic offices
0.00%% insured (estimated)
$14,100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$3,069All other liabilities
$22,023Total equity capital
$22,023Total bank equity capital
$22,023Perpetual preferred stock
$0Common stock
$1,750Surplus
$4,323Undivided profits
Memoranda
$15,950Noncurrent loans and leases
$49,613Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,880Earning assets
$869Long-term assets (5+ years)
$1,321Average Assets, year-to-date
$276,829Average Assets, quarterly
$46,294Volatile liabilities
$280,533Insider loans
$304,633FHLB advances
$51,404Loans and leases held for sale
$1,885Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,076Total risk weighted assets
$49,613Total unused commitments
$0Restructured Loans and leases
$2,896Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$13,740Total interest income
$2,589Total interest expense
$11,151Net interest income
$312Provision for loan and lease losses
$4,035Total noninterest income
$0Fiduciary activities
$1,609Service charges on deposit accounts
$0Trading account gains & fees
$2,426Additional noninterest income
$12,905Total noninterest expense
$7,075Salaries and employee benefits
$1,949Premises and equipment expense
$3,881Additional noninterest expense
$1,969Pre-tax net operating income
$396Securities gains (losses)
$693Applicable income taxes
$1,672Income before extraordinary items
$0Extraordinary gains - net
$1,672Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$107Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.75%Yield on earning assets
1.08%Cost of funding earning assets
4.67%Net interest margin
1.69%Noninterest income to earning assets
5.40%Noninterest expense to earning assets
0.50%Net operating income to assets
0.60%Return on assets (ROA)
0.84%Pretax return on assets
7.81%Return on equity (ROE)
7.81%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
291.59%Credit loss provision to net charge-offs
21.32%Efficiency ratio
83,847Assets per employee
2.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.79%Loss allowance to noncurrent loans
84.07%Noncurrent assets plus other real estate owned to assets
1.21%Noncurrent loans to loans
2.13%Net loans and leases to deposits
63.55%Net loans and leases to core deposits
73.28%Equity capital to assets
6.88%Core capital (leverage) ratio
7.96%Tier 1 risk-based capital ratio
9.43%Total risk-based capital ratio
Memoranda
$11Average assets
$280,533Average earning assets
$21,400Average equity
$239,018Average loans

Bank of Lodi, National Association in Lodi, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Lodi, National Association - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

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

Bank of Lodi, National Association in Lodi, California (CA)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Lodi, National Association - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

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

Bank of Lodi, National Association in Lodi, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches