Community Bank of Central California in city_name, state_name

Community Bank of Central California in Salinas, California (CA)
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Community Bank of Central California - Overview

General
FDIC Certificate #: 24243
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Rabobank, National Association (#23364)
Federal Reserve ID: 262068
Date Established: January 31, 1983
WWW: http://www.community-bnk.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 16 (Interstate: No)
FDIC's unique #: 16877
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: January 31, 1983
Last Structure Change Effective Date: Febuary 01, 2006
Last Structure Change Process Date: Febuary 21, 2006
Last Data Update: Febuary 21, 2006
Data Source Date: April 05, 2012
Location
Address: 301 South Main Street, Salinas, CA 93902
County: Monterey
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): Salinas, CA (#7120)
Core Based Statistical Area (CBSA): Salinas, CA (#41500)
CBSA Metro Statistical Area: Salinas, CA (#41500)
Financial Summary
Total assets: $1,245.7 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, 2005)

Dollar figures in thousands
147Total employees (full-time equivalent)
$1,245,675Total assets
$59,374Cash and due from depository institutions
$4,011Interest-bearing balances
$213,536Securities
$2,570Federal funds sold & reverse repurchase agreements
$948,591Net loans & leases
$21,111Loan loss allowance
$0Trading account assets
$1,916Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$19,688All other assets
$1,245,675Total liabilities and capital
$1,139,227Total liabilities
$1,118,790Total deposits
$758,354Interest-bearing deposits
$1,118,790Deposits held in domestic offices
0.00%% insured (estimated)
$2,875Federal funds purchased & repurchase agreements
$0Trading liabilities
$10,792Other borrowed funds
$0Subordinated debt
$6,770All other liabilities
$106,448Total equity capital
$106,448Total bank equity capital
$106,448Perpetual preferred stock
$0Common stock
$20,342Surplus
$8,383Undivided profits
Memoranda
$77,723Noncurrent loans and leases
$264,112Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,318Earning assets
$25Long-term assets (5+ years)
$5,548Average Assets, year-to-date
$1,168,708Average Assets, quarterly
$348,990Volatile liabilities
$1,205,027Insider loans
$1,232,591FHLB advances
$287,047Loans and leases held for sale
$12,611Unused loan commitments
$10,792Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$264,112Total unused commitments
$0Restructured Loans and leases
$13,212Derivatives

Income and Expense (December 31, 2005)

Dollar figures in thousands
$74,045Total interest income
$17,032Total interest expense
$57,013Net interest income
$1,400Provision for loan and lease losses
$4,325Total noninterest income
$0Fiduciary activities
$3,121Service charges on deposit accounts
$0Trading account gains & fees
$1,204Additional noninterest income
$27,071Total noninterest expense
$7,774Salaries and employee benefits
$3,084Premises and equipment expense
$16,213Additional noninterest expense
$32,867Pre-tax net operating income
$12Securities gains (losses)
$12,833Applicable income taxes
$20,046Income before extraordinary items
$0Extraordinary gains - net
$20,046Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$3,442Sale, conversion, retirement of capital stock, net
$4,500Net operating income

Performance and Condition Ratios (December 31, 2005)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.50%Yield on earning assets
1.50%Cost of funding earning assets
5.01%Net interest margin
0.38%Noninterest income to earning assets
2.38%Noninterest expense to earning assets
1.66%Net operating income to assets
1.66%Return on assets (ROA)
2.73%Pretax return on assets
20.09%Return on equity (ROE)
15.58%Retained earnings to average equity (YTD only)
-0.37%Net charge-offs to loans
-40.67%Credit loss provision to net charge-offs
0.00%Efficiency ratio
44,134Assets per employee
8.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.45%Loss allowance to loans
2.18%Loss allowance to noncurrent loans
636.26%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.34%Net loans and leases to deposits
84.79%Net loans and leases to core deposits
113.55%Equity capital to assets
8.55%Core capital (leverage) ratio
8.93%Tier 1 risk-based capital ratio
10.32%Total risk-based capital ratio
Memoranda
$12Average assets
$1,205,027Average earning assets
$99,794Average equity
$1,138,944Average loans

Community Bank of Central California in Salinas, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Central California - Overview

Assets and Liabilities (December 31, 2005)

Income and Expense (December 31, 2005)

Performance and Condition Ratios (December 31, 2005)

Comment about this bank, ask questions, or add new information about it:

Community Bank of Central California in Salinas, California (CA)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Central California - Overview

Assets and Liabilities (December 31, 2005)

Income and Expense (December 31, 2005)

Performance and Condition Ratios (December 31, 2005)

Comment about this bank, ask questions, or add new information about it:

Community Bank of Central California in Salinas, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches