FDIC Certificate #: 32275 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Rabobank, National Association (#23364) Federal Reserve ID: 772978 Date Established: Febuary 25, 1985 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 8081 FDIC's unique #: 45109 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: Febuary 25, 1985 Last Structure Change Effective Date: May 24, 2001 Last Structure Change Process Date: June 13, 2001 Last Data Update: June 13, 2001 Data Source Date: April 05, 2012
Location
Address: 5151 Stockdale Highway, Bakersfield, CA 93309 County: Kern Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Los Angeles (North) Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Bakersfield, CA (#680) Core Based Statistical Area (CBSA): Bakersfield-Delano, CA (#12540) CBSA Metro Statistical Area: Bakersfield-Delano, CA (#12540)
Financial Summary
Total assets: $210.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
76Total employees (full-time equivalent)
$211,627Total assets
$7,517Cash and due from depository institutions
$841Interest-bearing balances
$18,468Securities
$0Federal funds sold & reverse repurchase agreements
$172,022Net loans & leases
$1,334Loan loss allowance
$0Trading account assets
$1,786Bank premises and fixed assets
$257Other real estate owned
$84Goodwill and other intangibles
$0Life insurance assets
$11,493All other assets
$211,625Total liabilities and capital
$196,775Total liabilities
$156,231Total deposits
$133,922Interest-bearing deposits
$156,231Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$38,900Other borrowed funds
$0Subordinated debt
$1,644All other liabilities
$14,850Total equity capital
$14,850Total bank equity capital
$14,850Perpetual preferred stock
$0Common stock
$4,849Surplus
$8,309Undivided profits
Memoranda
$1,692Noncurrent loans and leases
$36,338Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$282Earning assets
$0Long-term assets (5+ years)
$1,128Average Assets, year-to-date
$191,331Average Assets, quarterly
$0Volatile liabilities
$190,186Insider loans
$208,301FHLB advances
$90,460Loans and leases held for sale
$3,508Unused loan commitments
$38,900Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$36,338Total unused commitments
$493Restructured Loans and leases
$1,334Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$15,114Total interest income
$8,003Total interest expense
$7,111Net interest income
$580Provision for loan and lease losses
$1,505Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,505Additional noninterest income
$6,256Total noninterest expense
$3,267Salaries and employee benefits
$1,257Premises and equipment expense
$1,732Additional noninterest expense
$1,780Pre-tax net operating income
$566Securities gains (losses)
$741Applicable income taxes
$1,605Income before extraordinary items
$0Extraordinary gains - net
$1,605Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$276Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.70%Yield on earning assets
4.61%Cost of funding earning assets
4.09%Net interest margin
0.87%Noninterest income to earning assets
3.60%Noninterest expense to earning assets
0.64%Net operating income to assets
0.84%Return on assets (ROA)
1.23%Pretax return on assets
12.41%Return on equity (ROE)
12.41%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
210.14%Credit loss provision to net charge-offs
8.55%Efficiency ratio
72,609Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.77%Loss allowance to noncurrent loans
473.05%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.16%Net loans and leases to deposits
110.11%Net loans and leases to core deposits
164.35%Equity capital to assets
7.02%Core capital (leverage) ratio
7.02%Tier 1 risk-based capital ratio
9.27%Total risk-based capital ratio
Memoranda
$10Average assets
$190,186Average earning assets
$12,934Average equity
$173,769Average loans
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