Centennial Bank in Hayward, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 16, 1996

  • Centennial Bank in Hayward, California (CA)
  • Show street view No street view available for this location

Centennial Bank - Overview

  • General
  • FDIC Certificate #: 22361
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Alameda First National Bank (#19158)
    Federal Reserve ID: 798464
    Date Established: November 05, 1976
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 15568
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 05, 1976
    Last Structure Change Effective Date: Febuary 16, 1996
    Last Structure Change Process Date: Febuary 22, 1996
    Last Data Update: Febuary 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 987 B Street, Hayward, CA 94541
    County: Alameda
    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: $116.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $56Total assets
  • $116,060Cash and due from depository institutions
  • $5,110Interest-bearing balances
  • $0Securities
  • $12,038Federal funds sold & reverse repurchase agreements
  • $22,500Net loans & leases
  • $71,223Loan loss allowance
  • $1,047Trading account assets
  • $0Bank premises and fixed assets
  • $2,323Other real estate owned
  • $0Goodwill and other intangibles
  • $1,926Life insurance assets
  • $940All other assets
  • $0Total liabilities and capital
  • $116,060Total liabilities
  • $105,709Total deposits
  • $104,773Interest-bearing deposits
  • $80,992Deposits held in domestic offices
  • 104773.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $936Total equity capital
  • $936Total bank equity capital
  • $10,351Perpetual preferred stock
  • $0Common stock
  • $1,102Surplus
  • $1,271Undivided profits
  • Memoranda
  • $7,978Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,077Income earned, not collected on loans
  • $511Earning assets
  • $105,761Long-term assets (5+ years)
  • $4,159Average Assets, year-to-date
  • $116,971Average Assets, quarterly
  • $117,779Volatile liabilities
  • $5,348Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $19,556Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,260Total risk weighted assets
  • $73,170Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,619Total interest expense
  • $1,623Net interest income
  • $2,996Provision for loan and lease losses
  • $150Total noninterest income
  • $463Fiduciary activities
  • $0Service charges on deposit accounts
  • $352Trading account gains & fees
  • $0Additional noninterest income
  • $111Total noninterest expense
  • $1,922Salaries and employee benefits
  • $1,033Premises and equipment expense
  • $373Additional noninterest expense
  • $516Pre-tax net operating income
  • $1,387Securities gains (losses)
  • $0Applicable income taxes
  • $619Income before extraordinary items
  • $768Extraordinary gains - net
  • $0Net income attributable to bank
  • $768Net charge-offs
  • $171Cash dividends
  • $1,670Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.36%Cost of funding earning assets
  • 1.53%Net interest margin
  • 2.82%Noninterest income to earning assets
  • 0.44%Noninterest expense to earning assets
  • 1.81%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 1.19%Return on equity (ROE)
  • 6.99%Retained earnings to average equity (YTD only)
  • -8.21%Net charge-offs to loans
  • 0.23%Credit loss provision to net charge-offs
  • 87.72%Efficiency ratio
  • 51,778Assets per employee
  • 2.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 217.45%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 97.21%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 67.98%Net loans and leases to core deposits
  • 71.63%Equity capital to assets
  • 8.92%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 12.66%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $116,971Average earning assets
  • $10,992Average equity
  • $106,062Average loans

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