El Dorado Savings Bank, F.S.B. in Placerville, California (CA), NV
Overview, Financial Summary, Detailed Financial Reports, Branches


  • El Dorado Savings Bank, F.S.B. in Placerville, California (CA), NV
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El Dorado Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 30953
    Status: Active
    Federal Reserve ID: 961576
    Date Established: January 01, 1956
    WWW: http://www.eldoradosavingsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 35 (Domestic: 35, Interstate: Yes)
    OTS Docket #: 6164
    FDIC's unique #: 43787
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 16, 1957
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4040 El Dorado Road, Placerville, CA 95667
    County: El Dorado
    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
    Metropolitan Statistical Area (MSA): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,706.7 mil
    Equity capital: $167.1 mil
    Deposits held in domestic offices: $1,536.5 mil
    Return on assets (ROA): 0.62% ($10.6 mil)
    Quarterly return on assets: 0.79% ($13.5 mil)
    Return on Equity (ROE): 6.33% ($10.6 mil)
    Quarterly return on equity: 8.04% ($13.4 mil)
    Net income: $10.3 mil
    Quarterly Net income: $3.3 mil
    Pretax return on assets: 0.99% ($16,896.5 mil)
    Quarterly Pretax return on assets: 1.15% ($19,627.2 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
  • 304Total employees (full-time equivalent)
  • $1,706,715Total assets
  • $161,794Cash and due from depository institutions
  • $136,118Interest-bearing balances
  • $1,065,277Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $423,439Net loans & leases
  • $9,728Loan loss allowance
  • $0Trading account assets
  • $20,198Bank premises and fixed assets
  • $3,194Other real estate owned
  • $155Goodwill and other intangibles
  • $1,706,715Life insurance assets
  • $32,658All other assets
  • $1,539,606Total liabilities and capital
  • $1,536,494Total liabilities
  • $1,492,954Total deposits
  • $1,536,494Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,112Subordinated debt
  • $167,109All other liabilities
  • $167,109Total equity capital
  • $167,109Total bank equity capital
  • $0Perpetual preferred stock
  • $624Common stock
  • $81Surplus
  • $166,404Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,490Income earned, not collected on loans
  • $0Earning assets
  • $3,996Long-term assets (5+ years)
  • $1,624,834Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,665,362Volatile liabilities
  • $1,697,178Insider loans
  • $497,340FHLB advances
  • $1,705,741Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $165,247Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $69,559Restructured Loans and leases
  • $198Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $49,265Total interest income
  • $7,132Total interest expense
  • $42,133Net interest income
  • $2,124Provision for loan and lease losses
  • $8,952Total noninterest income
  • $0Fiduciary activities
  • $4,081Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,871Additional noninterest income
  • $30,932Total noninterest expense
  • $17,745Salaries and employee benefits
  • $6,099Premises and equipment expense
  • $7,088Additional noninterest expense
  • $18,029Pre-tax net operating income
  • -$1,476Securities gains (losses)
  • $6,288Applicable income taxes
  • $10,265Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,265Net income attributable to bank
  • $0Net charge-offs
  • $10,265Cash dividends
  • $1,238Sale, conversion, retirement of capital stock, net
  • $2,482Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.10%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 2.65%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 1.94%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 6.33%Return on equity (ROE)
  • 4.80%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 171.57%Credit loss provision to net charge-offs
  • 16.28%Efficiency ratio
  • 59,785Assets per employee
  • 5.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.18%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 652.89%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 27.56%Net loans and leases to core deposits
  • 28.54%Equity capital to assets
  • 9.79%Core capital (leverage) ratio
  • 9.70%Tier 1 risk-based capital ratio
  • 33.23%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $1,665,362Average earning assets
  • $162,120Average equity
  • $1,590,691Average loans

List of branches

  • 32 California Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043787El Dorado Savings Bank, F.S.b.4040 El Dorado Road, Placerville, CA 95667January 01, 1956Full Service Brick and Mortar
    1282724Jackson Branch135 Main St, Jackson, CA 95642January 01, 1956Full Service Brick and Mortar
    2282725San Andreas Branch206 E St Charles, San Andreas, CA 95249January 01, 1956Full Service Brick and Mortar
    3282726Folsom Branch300 E Bidwell St, Folsom, CA 95630January 01, 1956Full Service Brick and Mortar
    5282728Elk Grove Branch9003 Elk Grove Blvd, Elk Grove, CA 95624January 01, 1956Full Service Brick and Mortar
    6282729Tahoe Y Branch942 Emerald Bay Rd, South Lake Tahoe, CA 96150January 01, 1956Full Service Brick and Mortar
    7282730Citrus Heights Branch7895 Lichen Dr, Citrus Heights, CA 95621January 01, 1956Full Service Brick and Mortar
    9282732Carmichael Branch4701 Manzanita Ave, Carmichael, CA 95608January 01, 1956Full Service Brick and Mortar
    12282735Pollock Pines Branch6462 Pony Express Trl, Pollock Pines, CA 95726January 01, 1956Full Service Brick and Mortar
    13282736Al Tahoe Branch1036 Al Tahoe Blvd, South Lake Tahoe, CA 96151January 01, 1956Full Service Brick and Mortar
    15282738Tahoe City Branch740 North Lake Blvd, Tahoe City, CA 96145January 01, 1956Full Service Brick and Mortar
    101282739Bijou Branch3443 Lake Tahoe Blvd, South Lake Tahoe, CA 96150January 01, 1956Full Service Brick and Mortar
    103282741Sutter Creek Branch460 State Highway 49, Sutter Creek, CA 95685January 01, 1956Full Service Brick and Mortar
    104282742West Placerville Branch2888 Ray Lawyer Dr, Placerville, CA 95667January 01, 1956Full Service Brick and Mortar
    105282743Bishop Branch515 N Main St, Bishop, CA 93514January 01, 1956Full Service Brick and Mortar
    106282744Pine Grove Branch20146 Highway 88, Pine Grove, CA 95665January 01, 1956Full Service Brick and Mortar
    108282746El Dorado Hills Branch3963 Park Dr, El Dorado Hills, CA 95762January 01, 1956Full Service Brick and Mortar
    111282748Twain Harte Branch22900 Twain Harte Drive, Twain Harte, CA 95383January 01, 1956Full Service Brick and Mortar
    112282749Diamond Springs Branch694 Pleasant Valley Rd Ste 3, Diamond Springs, CA 95619January 01, 1956Full Service Brick and Mortar
    113282750Arnold Branch1227 Oak Ct, Arnold, CA 95223January 01, 1956Full Service Brick and Mortar
    114282751Georgetown Branch6310 Hwy 193, Georgetown, CA 95634January 01, 1956Full Service Brick and Mortar
    115282752Lake Of The Pines Branch10612 Combie Rd, Auburn, CA 95602January 01, 1956Full Service Brick and Mortar
    11728275455th & Folsom Branch5500 Folsom Blvd, Sacramento, CA 95819January 01, 1956Full Service Brick and Mortar
    119282756Grass Valley Branch1751 E Main St, Grass Valley, CA 95945January 01, 1956Full Service Brick and Mortar
    120282757Murphys Branch245 Tom Bell Rd, Murphys, CA 95247January 01, 1956Full Service Brick and Mortar
    121282758Cameron Park Branch4060 Cameron Park Dr, Shingle Springs, CA 95682June 30, 1986Full Service Brick and Mortar
    125282761Downtown Placerville Branch247 Main St., Placerville, CA 95667June 30, 1989Full Service Brick and Mortar
    127287941Rancho Murieta Branch7248 Murieta Drive B2, Rancho Murieta, CA 95683June 30, 1987Full Service Brick and Mortar
    129282763Plymouth Branch18726 State Highway 49, Plymouth, CA 95669March 01, 1991Full Service Brick and Mortar
    13028276448th & J Street Branch4768 J Street, Sacramento, CA 95819June 20, 1994Full Service Brick and Mortar
    131197802Lone Pine Branch400 N Main Street, Lone Pine, CA 93545December 24, 1934Full Service Brick and Mortar
    133492444Sheldon Branch8973 Grantline Rd Ste 103, Elk Grove, CA 95624Febuary 04, 2008Full Service Brick and Mortar
  • 3 Nevada Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    128282762Gardnerville Branch1517 Us 395 N, Gardnerville, NV 89410March 01, 1990Full Service Brick and Mortar
    134495654Carson City Branch3788 Us Highway 395 S, Carson City, NV 89705January 09, 2006Full Service Brick and Mortar
    135495655Sparks Branch5235 Vista Blvd, Sparks, NV 89436May 07, 2007Full Service Brick and Mortar

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