FDIC Certificate #: 34210 Status: Active Federal Reserve ID: 2483438 Date Established: July 22, 1996 WWW:http://www.communitybankbay.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 56968 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: July 22, 1996 Last Structure Change Effective Date: January 19, 2012 Last Structure Change Process Date: January 19, 2012 Last Data Update: January 19, 2012 Data Source Date: April 05, 2012
Location
Address: 1750 Broadway, Oakland, CA 94612 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: $128.5 mil Equity capital: $15.1 mil Deposits held in domestic offices: $105.3 mil Return on assets (ROA): 0.00% ($0.0 mil) Quarterly return on assets: -0.09% (-$0.1 mil) Return on Equity (ROE): -0.03% (-$0.0 mil) Quarterly return on equity: -0.74% (-$0.1 mil) Net income: -$0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.00% ($0.0 mil) Quarterly Pretax return on assets: -0.09% (-$115.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
23Total employees (full-time equivalent)
$128,451Total assets
$14,160Cash and due from depository institutions
$9,344Interest-bearing balances
$7,802Securities
$1,215Federal funds sold & reverse repurchase agreements
$95,905Net loans & leases
$2,013Loan loss allowance
$0Trading account assets
$3,732Bank premises and fixed assets
$107Other real estate owned
$0Goodwill and other intangibles
$128,451Life insurance assets
$5,530All other assets
$113,373Total liabilities and capital
$105,299Total liabilities
$64,690Total deposits
$105,299Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,000Trading liabilities
$0Other borrowed funds
$1,074Subordinated debt
$15,078All other liabilities
$15,078Total equity capital
$15,078Total bank equity capital
$4,060Perpetual preferred stock
$21,089Common stock
$425Surplus
$-10,496Undivided profits
Memoranda
$0Noncurrent loans and leases
$214Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,761Income earned, not collected on loans
$922Earning assets
$446Long-term assets (5+ years)
$114,266Average Assets, year-to-date
$25,981Average Assets, quarterly
$125,846Volatile liabilities
$130,684Insider loans
$99,996FHLB advances
$133,325Loans and leases held for sale
$3,432Unused loan commitments
$3,432Tier 1 (core) risk-based capital
$15,025Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$14,232Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,726Total interest income
$578Total interest expense
$5,148Net interest income
$1,430Provision for loan and lease losses
$2,129Total noninterest income
$0Fiduciary activities
$330Service charges on deposit accounts
$0Trading account gains & fees
$1,799Additional noninterest income
$6,035Total noninterest expense
$3,218Salaries and employee benefits
$843Premises and equipment expense
$1,974Additional noninterest expense
-$188Pre-tax net operating income
$183Securities gains (losses)
$0Applicable income taxes
-$5Income before extraordinary items
$0Extraordinary gains - net
-$5Net income attributable to bank
$0Net charge-offs
-$5Cash dividends
$1,509Sale, conversion, retirement of capital stock, net
$80Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
0.51%Cost of funding earning assets
4.54%Net interest margin
1.88%Noninterest income to earning assets
5.32%Noninterest expense to earning assets
-0.15%Net operating income to assets
-0.00%Return on assets (ROA)
-0.00%Pretax return on assets
-0.03%Return on equity (ROE)
-0.57%Retained earnings to average equity (YTD only)
1.69%Net charge-offs to loans
94.76%Credit loss provision to net charge-offs
0.82%Efficiency ratio
82,933Assets per employee
5.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
-1600.00%Loss allowance to loans
2.06%Loss allowance to noncurrent loans
53.52%Noncurrent assets plus other real estate owned to assets
3.01%Noncurrent loans to loans
3.84%Net loans and leases to deposits
91.08%Net loans and leases to core deposits
100.76%Equity capital to assets
11.74%Core capital (leverage) ratio
11.27%Tier 1 risk-based capital ratio
15.03%Total risk-based capital ratio
Memoranda
$16Average assets
$125,846Average earning assets
$15,024Average equity
$113,439Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
56968
Community Bank Of The Bay
1750 Broadway, Oakland, CA 94612
July 22, 1996
Full Service Brick and Mortar
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