FDIC Certificate #: 22445 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:Humboldt Bank (#27582) Federal Reserve ID: 94661 Date Established: April 06, 1977 WWW:http://www.frsb.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 10 (Interstate: No) FDIC's unique #: 15643 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: April 06, 1977 Last Structure Change Effective Date: March 06, 2004 Last Structure Change Process Date: April 12, 2004 Last Data Update: April 12, 2004 Data Source Date: April 05, 2012
Location
Address: 777 Colusa Avenue, Yuba City, CA 95991 County: Sutter 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): Yuba City, CA (#9340) Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472) Core Based Statistical Area (CBSA): Yuba City, CA (#49700) CBSA Metro Statistical Area: Yuba City, CA (#49700)
Financial Summary
Total assets: $400.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
128Total employees (full-time equivalent)
$400,815Total assets
$20,455Cash and due from depository institutions
$26Interest-bearing balances
$140,683Securities
$20,005Federal funds sold & reverse repurchase agreements
$197,509Net loans & leases
$4,511Loan loss allowance
$0Trading account assets
$5,882Bank premises and fixed assets
$3,604Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$12,677All other assets
$400,815Total liabilities and capital
$368,772Total liabilities
$347,892Total deposits
$252,082Interest-bearing deposits
$347,892Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$15,722Other borrowed funds
$0Subordinated debt
$5,158All other liabilities
$32,043Total equity capital
$32,043Total bank equity capital
$32,043Perpetual preferred stock
$0Common stock
$20,237Surplus
$2,318Undivided profits
Memoranda
$9,488Noncurrent loans and leases
$57,197Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,847Earning assets
$0Long-term assets (5+ years)
$2,033Average Assets, year-to-date
$358,223Average Assets, quarterly
$83,654Volatile liabilities
$376,502Insider loans
$388,212FHLB advances
$42,101Loans and leases held for sale
$3,810Unused loan commitments
$15,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$57,197Total unused commitments
$0Restructured Loans and leases
$3,489Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$20,017Total interest income
$4,877Total interest expense
$15,140Net interest income
-$690Provision for loan and lease losses
$2,838Total noninterest income
$0Fiduciary activities
$1,243Service charges on deposit accounts
$0Trading account gains & fees
$1,595Additional noninterest income
$12,447Total noninterest expense
$6,952Salaries and employee benefits
$2,159Premises and equipment expense
$3,336Additional noninterest expense
$6,221Pre-tax net operating income
$0Securities gains (losses)
$2,211Applicable income taxes
$4,010Income before extraordinary items
$0Extraordinary gains - net
$4,010Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,331Sale, conversion, retirement of capital stock, net
$2,285Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.93%Yield on earning assets
1.44%Cost of funding earning assets
4.49%Net interest margin
0.84%Noninterest income to earning assets
3.69%Noninterest expense to earning assets
1.07%Net operating income to assets
1.07%Return on assets (ROA)
1.65%Pretax return on assets
12.58%Return on equity (ROE)
5.41%Retained earnings to average equity (YTD only)
0.65%Net charge-offs to loans
-51.84%Credit loss provision to net charge-offs
4.16%Efficiency ratio
69,235Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.98%Loss allowance to loans
2.23%Loss allowance to noncurrent loans
244.23%Noncurrent assets plus other real estate owned to assets
1.19%Noncurrent loans to loans
0.91%Net loans and leases to deposits
56.77%Net loans and leases to core deposits
64.44%Equity capital to assets
7.99%Core capital (leverage) ratio
8.21%Tier 1 risk-based capital ratio
11.45%Total risk-based capital ratio
Memoranda
$13Average assets
$376,502Average earning assets
$31,865Average equity
$337,528Average loans
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