FDIC Certificate #: 32148 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community Banks of Colorado (#21132) Federal Reserve ID: 423074 Date Established: January 01, 1981 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 5 (Interstate: No) OTS Docket #: 7903 FDIC's unique #: 44982 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: December 15, 1982 Last Structure Change Effective Date: March 01, 2010 Last Structure Change Process Date: March 04, 2010 Last Data Update: March 04, 2010 Data Source Date: April 05, 2012
Location
Address: 1003 Central Avenue, Tracy, CA 95376 County: San Joaquin Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: Dallas FDIC Field Office: Sacramento Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Stockton-Lodi, CA (#8120) Core Based Statistical Area (CBSA): Stockton, CA (#44700) CBSA Metro Statistical Area: Stockton, CA (#44700)
Financial Summary
Total assets: $145.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
23Total employees (full-time equivalent)
$145,485Total assets
$40,272Cash and due from depository institutions
$35,862Interest-bearing balances
$18,788Securities
$0Federal funds sold & reverse repurchase agreements
$64,616Net loans & leases
$4,393Loan loss allowance
$0Trading account assets
$8,584Bank premises and fixed assets
$5,456Other real estate owned
$36Goodwill and other intangibles
$0Life insurance assets
$7,733All other assets
$145,485Total liabilities and capital
$139,517Total liabilities
$138,992Total deposits
$127,677Interest-bearing deposits
$138,992Deposits held in domestic offices
95.21%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$525All other liabilities
$5,968Total equity capital
$5,968Total bank equity capital
$5,968Perpetual preferred stock
$0Common stock
$2,205Surplus
$21,135Undivided profits
Memoranda
$-17,372Noncurrent loans and leases
$2,722Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$17,669Earning assets
$0Long-term assets (5+ years)
$352Average Assets, year-to-date
$119,266Average Assets, quarterly
$20,154Volatile liabilities
$156,029Insider loans
$146,263FHLB advances
$68,390Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,722Total unused commitments
$245Restructured Loans and leases
$1,051Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$5,901Total interest income
$3,616Total interest expense
$2,285Net interest income
$10,355Provision for loan and lease losses
$1,039Total noninterest income
$0Fiduciary activities
$348Service charges on deposit accounts
$0Trading account gains & fees
$691Additional noninterest income
$9,357Total noninterest expense
$1,481Salaries and employee benefits
$1,145Premises and equipment expense
$6,731Additional noninterest expense
-$16,388Pre-tax net operating income
$942Securities gains (losses)
-$2,147Applicable income taxes
-$13,299Income before extraordinary items
$0Extraordinary gains - net
-$13,299Net income attributable to bank
$0Net charge-offs
-$13,299Cash dividends
$14,350Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.56%Yield on earning assets
2.79%Cost of funding earning assets
1.76%Net interest margin
0.80%Noninterest income to earning assets
7.22%Noninterest expense to earning assets
-9.04%Net operating income to assets
-8.52%Return on assets (ROA)
-9.90%Pretax return on assets
-120.06%Return on equity (ROE)
-120.06%Retained earnings to average equity (YTD only)
14.22%Net charge-offs to loans
72.16%Credit loss provision to net charge-offs
-0.42%Efficiency ratio
155,475Assets per employee
6.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.37%Loss allowance to noncurrent loans
24.86%Noncurrent assets plus other real estate owned to assets
15.90%Noncurrent loans to loans
25.60%Net loans and leases to deposits
46.49%Net loans and leases to core deposits
91.52%Equity capital to assets
4.10%Core capital (leverage) ratio
2.36%Tier 1 risk-based capital ratio
4.31%Total risk-based capital ratio
Memoranda
$6Average assets
$156,029Average earning assets
$11,077Average equity
$129,550Average loans
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