FDIC Certificate #: 23579 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Central California Bank (#57372) Federal Reserve ID: 9160 Date Established: November 12, 1981 WWW:http://www.centralsierrabank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 8 (Interstate: No) OTS Docket #: 9206 FDIC's unique #: 16512 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: November 12, 1981 Last Structure Change Effective Date: July 12, 2003 Last Structure Change Process Date: August 07, 2003 Last Data Update: August 07, 2003 Data Source Date: April 05, 2012
Location
Address: 373 West St. Charles Street, San Andreas, CA 95249 County: Calaveras 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
Financial Summary
Total assets: $147.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
82Total employees (full-time equivalent)
$137,389Total assets
$17,487Cash and due from depository institutions
$10,396Interest-bearing balances
$11,487Securities
$19,681Federal funds sold & reverse repurchase agreements
$85,474Net loans & leases
$1,210Loan loss allowance
$0Trading account assets
$1,652Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,608All other assets
$137,389Total liabilities and capital
$126,610Total liabilities
$118,659Total deposits
$93,771Interest-bearing deposits
$118,659Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$7,650Other borrowed funds
$0Subordinated debt
$301All other liabilities
$10,779Total equity capital
$10,779Total bank equity capital
$10,779Perpetual preferred stock
$0Common stock
$4,501Surplus
$0Undivided profits
Memoranda
$6,278Noncurrent loans and leases
$22,646Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$44Earning assets
$0Long-term assets (5+ years)
$477Average Assets, year-to-date
$127,038Average Assets, quarterly
$644Volatile liabilities
$136,901Insider loans
$136,553FHLB advances
$11,327Loans and leases held for sale
$854Unused loan commitments
$7,650Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$22,646Total unused commitments
$0Restructured Loans and leases
$1,153Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$7,395Total interest income
$2,241Total interest expense
$5,154Net interest income
$45Provision for loan and lease losses
$1,112Total noninterest income
$0Fiduciary activities
$653Service charges on deposit accounts
$0Trading account gains & fees
$459Additional noninterest income
$4,624Total noninterest expense
$2,403Salaries and employee benefits
$452Premises and equipment expense
$1,769Additional noninterest expense
$1,597Pre-tax net operating income
$0Securities gains (losses)
$640Applicable income taxes
$957Income before extraordinary items
$0Extraordinary gains - net
$957Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$12Sale, conversion, retirement of capital stock, net
$389Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.78%Yield on earning assets
1.75%Cost of funding earning assets
4.03%Net interest margin
0.87%Noninterest income to earning assets
3.61%Noninterest expense to earning assets
0.70%Net operating income to assets
0.70%Return on assets (ROA)
1.17%Pretax return on assets
9.19%Return on equity (ROE)
5.45%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-375.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
73,795Assets per employee
1.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.65%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
2750.00%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.05%Net loans and leases to deposits
72.03%Net loans and leases to core deposits
79.64%Equity capital to assets
7.85%Core capital (leverage) ratio
7.85%Tier 1 risk-based capital ratio
11.69%Total risk-based capital ratio
Memoranda
$13Average assets
$136,901Average earning assets
$10,415Average equity
$127,943Average loans
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