FDIC Certificate #: 58583 Status: Active Federal Reserve ID: 3614958 Date Established: July 17, 2007 WWW:http://www.californiabankofcommerce.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 457324 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: July 17, 2007 Last Structure Change Effective Date: May 30, 2008 Last Structure Change Process Date: May 30, 2008 Last Data Update: May 30, 2008 Data Source Date: April 05, 2012
Location
Address: 3595 Mt. Diablo Blvd., 2nd Floor, Lafayette, CA 94549 County: Contra Costa 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): Oakland, CA (#5775) 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 Francisco-Oakland-Fremont, CA (#41860) CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860) Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
Financial Summary
Total assets: $298.4 mil Equity capital: $34.6 mil Deposits held in domestic offices: $243.9 mil Return on assets (ROA): 0.30% ($0.9 mil) Quarterly return on assets: 0.44% ($1.3 mil) Return on Equity (ROE): 2.64% ($0.9 mil) Quarterly return on equity: 3.69% ($1.3 mil) Net income: $0.8 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.57% ($1,700.8 mil) Quarterly Pretax return on assets: 0.77% ($2,297.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
39Total employees (full-time equivalent)
$298,393Total assets
$46,962Cash and due from depository institutions
$43,869Interest-bearing balances
$36,350Securities
$0Federal funds sold & reverse repurchase agreements
$203,944Net loans & leases
$4,175Loan loss allowance
$0Trading account assets
$320Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$298,393Life insurance assets
$10,817All other assets
$263,751Total liabilities and capital
$243,903Total liabilities
$188,494Total deposits
$243,903Interest-bearing deposits
$53Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$18,000Trading liabilities
$0Other borrowed funds
$1,848Subordinated debt
$34,642All other liabilities
$34,642Total equity capital
$34,642Total bank equity capital
$10,949Perpetual preferred stock
$30,056Common stock
$0Surplus
$-6,363Undivided profits
Memoranda
$0Noncurrent loans and leases
$372Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$987Income earned, not collected on loans
$0Earning assets
$980Long-term assets (5+ years)
$284,163Average Assets, year-to-date
$115,871Average Assets, quarterly
$260,318Volatile liabilities
$287,354Insider loans
$236,744FHLB advances
$289,795Loans and leases held for sale
$4,939Unused loan commitments
$1,010Tier 1 (core) risk-based capital
$33,119Tier 2 risk-based capital
$1,269Total risk weighted assets
$2,660Total unused commitments
$73,746Restructured Loans and leases
$3,352Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$10,689Total interest income
$1,555Total interest expense
$9,134Net interest income
$1,154Provision for loan and lease losses
$710Total noninterest income
$0Fiduciary activities
$234Service charges on deposit accounts
$0Trading account gains & fees
$476Additional noninterest income
$7,338Total noninterest expense
$4,598Salaries and employee benefits
$634Premises and equipment expense
$2,106Additional noninterest expense
$1,352Pre-tax net operating income
$124Securities gains (losses)
$683Applicable income taxes
$793Income before extraordinary items
$0Extraordinary gains - net
$793Net income attributable to bank
$0Net charge-offs
$793Cash dividends
$1,480Sale, conversion, retirement of capital stock, net
$160Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.32%Yield on earning assets
0.63%Cost of funding earning assets
3.69%Net interest margin
0.29%Noninterest income to earning assets
2.96%Noninterest expense to earning assets
0.27%Net operating income to assets
0.30%Return on assets (ROA)
0.57%Pretax return on assets
2.64%Return on equity (ROE)
2.10%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
77.97%Credit loss provision to net charge-offs
1.69%Efficiency ratio
74,543Assets per employee
7.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
20.18%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
423.00%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.47%Net loans and leases to deposits
83.62%Net loans and leases to core deposits
100.06%Equity capital to assets
11.61%Core capital (leverage) ratio
11.43%Tier 1 risk-based capital ratio
13.99%Total risk-based capital ratio
Memoranda
$15Average assets
$260,318Average earning assets
$30,087Average equity
$247,538Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
457324
California Bank Of Commerce
3595 Mt. Diablo Blvd., 2nd Floor, Lafayette, CA 94549
July 17, 2007
Full Service Brick and Mortar
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