FDIC Certificate #: 34310 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Central California Bank (#57372) Federal Reserve ID: 2688895 Date Established: April 24, 1998 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 57069 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: April 24, 1998 Last Structure Change Effective Date: April 01, 2002 Last Structure Change Process Date: April 26, 2002 Last Data Update: April 26, 2002 Data Source Date: April 05, 2012
Location
Address: 14685 Mono Way, Sonora, CA 95370 County: Tuolumne 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 Core Based Statistical Area (CBSA): Phoenix Lake-Cedar Ridge, CA (#38020) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $68.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
36Total employees (full-time equivalent)
$77,354Total assets
$7,556Cash and due from depository institutions
$2,775Interest-bearing balances
$3,003Securities
$20,175Federal funds sold & reverse repurchase agreements
$44,681Net loans & leases
$632Loan loss allowance
$0Trading account assets
$373Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,566All other assets
$77,354Total liabilities and capital
$72,025Total liabilities
$71,514Total deposits
$51,262Interest-bearing deposits
$71,514Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$511All other liabilities
$5,329Total equity capital
$5,329Total bank equity capital
$5,329Perpetual preferred stock
$0Common stock
$4,594Surplus
$0Undivided profits
Memoranda
$735Noncurrent loans and leases
$11,380Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$237Average Assets, year-to-date
$70,634Average Assets, quarterly
$20,260Volatile liabilities
$62,601Insider loans
$72,614FHLB advances
$11,723Loans and leases held for sale
$1,287Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$11,380Total unused commitments
$0Restructured Loans and leases
$632Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$4,679Total interest income
$1,974Total interest expense
$2,705Net interest income
$182Provision for loan and lease losses
$572Total noninterest income
$0Fiduciary activities
$138Service charges on deposit accounts
$0Trading account gains & fees
$434Additional noninterest income
$2,865Total noninterest expense
$1,497Salaries and employee benefits
$384Premises and equipment expense
$984Additional noninterest expense
$230Pre-tax net operating income
$0Securities gains (losses)
-$505Applicable income taxes
$735Income before extraordinary items
$0Extraordinary gains - net
$735Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$31Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.16%Yield on earning assets
3.44%Cost of funding earning assets
4.72%Net interest margin
1.00%Noninterest income to earning assets
5.00%Noninterest expense to earning assets
1.17%Net operating income to assets
1.17%Return on assets (ROA)
0.37%Pretax return on assets
15.09%Return on equity (ROE)
15.09%Retained earnings to average equity (YTD only)
-0.08%Net charge-offs to loans
-587.10%Credit loss provision to net charge-offs
0.00%Efficiency ratio
87,428Assets per employee
2.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
62.48%Net loans and leases to core deposits
74.73%Equity capital to assets
6.89%Core capital (leverage) ratio
7.30%Tier 1 risk-based capital ratio
9.96%Total risk-based capital ratio
Memoranda
$11Average assets
$62,601Average earning assets
$4,871Average equity
$57,336Average loans
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