FDIC Certificate #: 57372 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Umpqua Bank (#17266) Federal Reserve ID: 2688895 Date Established: April 01, 2002 WWW:http://www.centralcaliforniabank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 17 (Interstate: No) FDIC's unique #: 362708 Numeric code: 13 Regulator: FED 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: April 01, 2002 Last Structure Change Effective Date: June 03, 2006 Last Structure Change Process Date: June 08, 2006 Last Data Update: June 08, 2006 Data Source Date: April 05, 2012
Location
Address: 13775-C 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: San Francisco 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: $460.9 mil
2000 - 2011 Historical total assets, liabilities and capital ($ 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
111Total employees (full-time equivalent)
$432,968Total assets
$15,163Cash and due from depository institutions
$108Interest-bearing balances
$33,393Securities
$3,580Federal funds sold & reverse repurchase agreements
$345,640Net loans & leases
$4,706Loan loss allowance
$0Trading account assets
$3,090Bank premises and fixed assets
$0Other real estate owned
$17,312Goodwill and other intangibles
$0Life insurance assets
$14,790All other assets
$432,968Total liabilities and capital
$379,507Total liabilities
$367,011Total deposits
$280,659Interest-bearing deposits
$367,011Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$11,000Other borrowed funds
$0Subordinated debt
$1,496All other liabilities
$53,461Total equity capital
$53,461Total bank equity capital
$53,461Perpetual preferred stock
$0Common stock
$15,021Surplus
$24,895Undivided profits
Memoranda
$13,545Noncurrent loans and leases
$108,533Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$117Earning assets
$0Long-term assets (5+ years)
$1,916Average Assets, year-to-date
$382,721Average Assets, quarterly
$35,733Volatile liabilities
$419,737Insider loans
$431,952FHLB advances
$83,016Loans and leases held for sale
$2,942Unused loan commitments
$11,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$108,533Total unused commitments
$0Restructured Loans and leases
$4,578Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$25,285Total interest income
$4,357Total interest expense
$20,928Net interest income
$660Provision for loan and lease losses
$3,895Total noninterest income
$0Fiduciary activities
$2,123Service charges on deposit accounts
$0Trading account gains & fees
$1,772Additional noninterest income
$12,591Total noninterest expense
$5,446Salaries and employee benefits
$1,831Premises and equipment expense
$5,314Additional noninterest expense
$11,572Pre-tax net operating income
$6Securities gains (losses)
$4,374Applicable income taxes
$7,204Income before extraordinary items
$0Extraordinary gains - net
$7,204Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$237Sale, conversion, retirement of capital stock, net
$3,500Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.81%Yield on earning assets
1.17%Cost of funding earning assets
5.64%Net interest margin
1.05%Noninterest income to earning assets
3.39%Noninterest expense to earning assets
1.72%Net operating income to assets
1.72%Return on assets (ROA)
2.76%Pretax return on assets
13.90%Return on equity (ROE)
7.14%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
278.48%Credit loss provision to net charge-offs
51.61%Efficiency ratio
48,709Assets per employee
3.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.58%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
4022.22%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.03%Net loans and leases to deposits
94.18%Net loans and leases to core deposits
117.17%Equity capital to assets
12.35%Core capital (leverage) ratio
9.07%Tier 1 risk-based capital ratio
10.26%Total risk-based capital ratio
Memoranda
$12Average assets
$419,737Average earning assets
$51,844Average equity
$371,336Average loans
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