Bank of Stockdale, F.S.B. in Bakersfield, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 24, 2001

  • Bank of Stockdale, F.S.B. in Bakersfield, California (CA)
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Bank of Stockdale, F.S.B. - Overview

  • General
  • 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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