Calnet Business Bank, National Association - Overview
General
FDIC Certificate #: 57314 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Commercial Capital Bank, FSB (#32316) Federal Reserve ID: 3069660 Date Established: November 05, 2001 WWW:http://www.calnetbank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 361449 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: November 05, 2001 Last Structure Change Effective Date: March 04, 2006 Last Structure Change Process Date: March 16, 2006 Last Data Update: March 16, 2006 Data Source Date: April 05, 2012
Location
Address: 1565 Exposition Boulevard, Sacramento, CA 95815 County: Sacramento 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): Sacramento, CA (#6920) Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82) Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472) Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900) CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
Financial Summary
Total assets: $176.6 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2005)
Dollar figures in thousands
30Total employees (full-time equivalent)
$176,628Total assets
$8,403Cash and due from depository institutions
$300Interest-bearing balances
$32,521Securities
$23,860Federal funds sold & reverse repurchase agreements
$107,439Net loans & leases
$1,268Loan loss allowance
$0Trading account assets
$489Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,916All other assets
$176,628Total liabilities and capital
$153,896Total liabilities
$152,897Total deposits
$67,053Interest-bearing deposits
$152,897Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$999All other liabilities
$22,732Total equity capital
$22,732Total bank equity capital
$22,732Perpetual preferred stock
$0Common stock
$10,899Surplus
$12,932Undivided profits
Memoranda
$-1,099Noncurrent loans and leases
$35,573Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$262Earning assets
$0Long-term assets (5+ years)
$692Average Assets, year-to-date
$164,120Average Assets, quarterly
$33,444Volatile liabilities
$156,913Insider loans
$163,748FHLB advances
$6,324Loans and leases held for sale
$1,807Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$35,573Total unused commitments
$0Restructured Loans and leases
$1,343Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$9,294Total interest income
$1,479Total interest expense
$7,815Net interest income
$291Provision for loan and lease losses
$1,202Total noninterest income
$0Fiduciary activities
$51Service charges on deposit accounts
$0Trading account gains & fees
$1,151Additional noninterest income
$6,821Total noninterest expense
$2,823Salaries and employee benefits
$684Premises and equipment expense
$3,314Additional noninterest expense
$1,905Pre-tax net operating income
$0Securities gains (losses)
-$336Applicable income taxes
$2,241Income before extraordinary items
$0Extraordinary gains - net
$2,241Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.33%Yield on earning assets
1.01%Cost of funding earning assets
5.32%Net interest margin
0.82%Noninterest income to earning assets
4.64%Noninterest expense to earning assets
1.43%Net operating income to assets
1.43%Return on assets (ROA)
1.21%Pretax return on assets
10.41%Return on equity (ROE)
10.41%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,646Assets per employee
5.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
483.97%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.24%Net loans and leases to deposits
70.27%Net loans and leases to core deposits
73.30%Equity capital to assets
12.87%Core capital (leverage) ratio
14.15%Tier 1 risk-based capital ratio
17.57%Total risk-based capital ratio
Memoranda
$19Average assets
$156,913Average earning assets
$21,530Average equity
$146,907Average loans
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