Community First National Bank in Pleasanton, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 13, 1997

  • Community First National Bank in Pleasanton, California (CA)
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Community First National Bank - Overview

  • General
  • FDIC Certificate #: 3492
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: U.S. Bank of California (#1304)
    Federal Reserve ID: 661867
    Date Established: December 06, 1910
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    FDIC's unique #: 2233
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 13, 1997
    Last Structure Change Process Date: March 27, 1997
    Last Data Update: March 27, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 749 Main Street, Pleasanton, CA 94566
    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: $264.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $77Total assets
  • $263,991Cash and due from depository institutions
  • $15,181Interest-bearing balances
  • $0Securities
  • $64,434Federal funds sold & reverse repurchase agreements
  • $35,085Net loans & leases
  • $142,897Loan loss allowance
  • $2,586Trading account assets
  • $0Bank premises and fixed assets
  • $2,022Other real estate owned
  • $1,003Goodwill and other intangibles
  • $3,369Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $263,991Total liabilities
  • $241,125Total deposits
  • $240,802Interest-bearing deposits
  • $194,879Deposits held in domestic offices
  • 240802.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $323Total equity capital
  • $323Total bank equity capital
  • $22,866Perpetual preferred stock
  • $0Common stock
  • $4,449Surplus
  • $15,412Undivided profits
  • Memoranda
  • $3,005Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,195Income earned, not collected on loans
  • $927Earning assets
  • $242,416Long-term assets (5+ years)
  • $42,078Average Assets, year-to-date
  • $261,471Average Assets, quarterly
  • $261,342Volatile liabilities
  • $19,614Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $42,985Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $22,327Total risk weighted assets
  • $163,617Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,664Total interest expense
  • $3,942Net interest income
  • $7,722Provision for loan and lease losses
  • $90Total noninterest income
  • $1,173Fiduciary activities
  • $0Service charges on deposit accounts
  • $628Trading account gains & fees
  • $0Additional noninterest income
  • $545Total noninterest expense
  • $4,678Salaries and employee benefits
  • $1,815Premises and equipment expense
  • $438Additional noninterest expense
  • $2,425Pre-tax net operating income
  • $4,127Securities gains (losses)
  • $23Applicable income taxes
  • $1,684Income before extraordinary items
  • $2,466Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,466Net charge-offs
  • $299Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.84%Cost of funding earning assets
  • 1.63%Net interest margin
  • 3.20%Noninterest income to earning assets
  • 0.49%Noninterest expense to earning assets
  • 1.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 1.59%Return on equity (ROE)
  • 11.77%Retained earnings to average equity (YTD only)
  • 11.77%Net charge-offs to loans
  • 0.21%Credit loss provision to net charge-offs
  • 30.10%Efficiency ratio
  • 52,591Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 117.81%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 59.34%Net loans and leases to core deposits
  • 64.60%Equity capital to assets
  • 8.66%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 13.65%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $261,471Average earning assets
  • $20,958Average equity
  • $241,235Average loans

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