FDIC Certificate #: 21230 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Greater Bay Bank, National Association (#27068) Federal Reserve ID: 231961 Date Established: October 01, 1973 WWW:http://www.bankofsantaclara.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 8 (Interstate: No) FDIC's unique #: 14682 Numeric code: 13 Regulator: FED 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: October 01, 1973 Last Structure Change Effective Date: Febuary 02, 2004 Last Structure Change Process Date: Febuary 25, 2004 Last Data Update: Febuary 25, 2004 Data Source Date: April 05, 2012
Location
Address: 1995 El Camino Real, Santa Clara, CA 95052 County: Santa Clara 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): San Jose, CA (#7400) 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 Jose-Sunnyvale-Santa Clara, CA (#41940) CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
Financial Summary
Total assets: $516.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
66Total employees (full-time equivalent)
$516,130Total assets
$17,940Cash and due from depository institutions
$414Interest-bearing balances
$177,763Securities
$93,000Federal funds sold & reverse repurchase agreements
$192,910Net loans & leases
$5,293Loan loss allowance
$0Trading account assets
$6,864Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$27,653All other assets
$516,130Total liabilities and capital
$473,889Total liabilities
$386,358Total deposits
$352,718Interest-bearing deposits
$386,358Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$80,000Other borrowed funds
$0Subordinated debt
$7,531All other liabilities
$42,241Total equity capital
$42,241Total bank equity capital
$42,241Perpetual preferred stock
$0Common stock
$12,448Surplus
$7,750Undivided profits
Memoranda
$22,043Noncurrent loans and leases
$33,465Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,574Earning assets
$897Long-term assets (5+ years)
$1,675Average Assets, year-to-date
$464,087Average Assets, quarterly
$124,523Volatile liabilities
$561,727Insider loans
$532,012FHLB advances
$141,393Loans and leases held for sale
$3,816Unused loan commitments
$80,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,652Total risk weighted assets
$33,465Total unused commitments
$0Restructured Loans and leases
$3,573Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$24,197Total interest income
$6,483Total interest expense
$17,714Net interest income
-$4Provision for loan and lease losses
$2,510Total noninterest income
$0Fiduciary activities
$1,376Service charges on deposit accounts
$0Trading account gains & fees
$1,134Additional noninterest income
$15,092Total noninterest expense
$3,754Salaries and employee benefits
$1,534Premises and equipment expense
$9,804Additional noninterest expense
$5,136Pre-tax net operating income
$1,196Securities gains (losses)
$2,350Applicable income taxes
$3,982Income before extraordinary items
$0Extraordinary gains - net
$3,982Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$572Sale, conversion, retirement of capital stock, net
$2,366Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.74%Yield on earning assets
1.27%Cost of funding earning assets
3.47%Net interest margin
0.49%Noninterest income to earning assets
2.96%Noninterest expense to earning assets
0.57%Net operating income to assets
0.71%Return on assets (ROA)
1.13%Pretax return on assets
9.48%Return on equity (ROE)
3.85%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
-0.70%Credit loss provision to net charge-offs
8.97%Efficiency ratio
74,624Assets per employee
7.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
59.42%Loss allowance to loans
2.67%Loss allowance to noncurrent loans
205.63%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
1.30%Net loans and leases to deposits
49.93%Net loans and leases to core deposits
63.26%Equity capital to assets
8.18%Core capital (leverage) ratio
8.36%Tier 1 risk-based capital ratio
15.83%Total risk-based capital ratio
Memoranda
$17Average assets
$561,727Average earning assets
$41,983Average equity
$510,617Average loans
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