Butte Community Bank in Chico, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 20, 2010

  • Butte Community Bank in Chico, California (CA)
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Butte Community Bank - Overview

  • General
  • FDIC Certificate #: 33219
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Rabobank, National Association (#23364)
    Federal Reserve ID: 1821976
    Date Established: December 14, 1990
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Interstate: No)
    OTS Docket #: 13415
    FDIC's unique #: 46656
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 14, 1990
    Last Structure Change Effective Date: August 20, 2010
    Last Structure Change Process Date: August 23, 2010
    Last Data Update: August 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2041 Forest Avenue, Chico, CA 95928
    County: Butte
    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): Chico-Paradise, CA (#1620)
    Core Based Statistical Area (CBSA): Chico, CA (#17020)
    CBSA Metro Statistical Area: Chico, CA (#17020)
  • Financial Summary
  • Total assets: $498.8 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, 2009)

  • Dollar figures in thousands
  • 225Total employees (full-time equivalent)
  • $537,813Total assets
  • $14,859Cash and due from depository institutions
  • $2,740Interest-bearing balances
  • $5,606Securities
  • $46,535Federal funds sold & reverse repurchase agreements
  • $421,173Net loans & leases
  • $12,975Loan loss allowance
  • $0Trading account assets
  • $5,270Bank premises and fixed assets
  • $13,493Other real estate owned
  • $3,463Goodwill and other intangibles
  • $11,680Life insurance assets
  • $27,414All other assets
  • $537,813Total liabilities and capital
  • $515,098Total liabilities
  • $500,121Total deposits
  • $467,168Interest-bearing deposits
  • $500,121Deposits held in domestic offices
  • 90.74%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $14,977All other liabilities
  • $22,715Total equity capital
  • $22,715Total bank equity capital
  • $22,715Perpetual preferred stock
  • $0Common stock
  • $5,748Surplus
  • $8,720Undivided profits
  • Memoranda
  • $8,247Noncurrent loans and leases
  • $110,890Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $63,801Earning assets
  • $17,732Long-term assets (5+ years)
  • $2,380Average Assets, year-to-date
  • $476,054Average Assets, quarterly
  • $49,941Volatile liabilities
  • $572,944Insider loans
  • $544,713FHLB advances
  • $79,189Loans and leases held for sale
  • $6,883Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,137Total risk weighted assets
  • $110,890Total unused commitments
  • $6,723Restructured Loans and leases
  • $6,073Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $28,230Total interest income
  • $5,925Total interest expense
  • $22,305Net interest income
  • $23,057Provision for loan and lease losses
  • $12,418Total noninterest income
  • $0Fiduciary activities
  • $3,613Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,805Additional noninterest income
  • $31,260Total noninterest expense
  • $12,466Salaries and employee benefits
  • $5,415Premises and equipment expense
  • $13,379Additional noninterest expense
  • -$19,594Pre-tax net operating income
  • -$172Securities gains (losses)
  • $6,704Applicable income taxes
  • -$26,470Income before extraordinary items
  • $0Extraordinary gains - net
  • -$26,470Net income attributable to bank
  • $0Net charge-offs
  • -$26,470Cash dividends
  • $17,908Sale, conversion, retirement of capital stock, net
  • $225Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.54%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.38%Net interest margin
  • 2.44%Noninterest income to earning assets
  • 6.14%Noninterest expense to earning assets
  • -4.59%Net operating income to assets
  • -4.62%Return on assets (ROA)
  • -3.45%Pretax return on assets
  • -62.23%Return on equity (ROE)
  • -62.75%Retained earnings to average equity (YTD only)
  • 3.81%Net charge-offs to loans
  • 128.75%Credit loss provision to net charge-offs
  • 0.19%Efficiency ratio
  • 90,027Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -0.85%Loss allowance to loans
  • 2.99%Loss allowance to noncurrent loans
  • 20.34%Noncurrent assets plus other real estate owned to assets
  • 14.37%Noncurrent loans to loans
  • 14.70%Net loans and leases to deposits
  • 84.21%Net loans and leases to core deposits
  • 100.06%Equity capital to assets
  • 4.22%Core capital (leverage) ratio
  • 3.98%Tier 1 risk-based capital ratio
  • 4.65%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $572,944Average earning assets
  • $42,539Average equity
  • $509,321Average loans

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