FDIC Certificate #: 57642 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Five Star Bank (#35361) Federal Reserve ID: 3229866 Date Established: January 05, 2004 WWW:http://www.fivestarbanknatomas.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 418994 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: January 05, 2004 Last Structure Change Effective Date: January 01, 2005 Last Structure Change Process Date: January 26, 2005 Last Data Update: January 26, 2005 Data Source Date: April 05, 2012
Location
Address: 2400 Del Paso Road, Suite 100, Sacramento, CA 95834 County: Sacramento 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)
Financial Summary
Total assets: $60.1 mil
Assets and Liabilities (December 31, 2004)
Dollar figures in thousands
7Total employees (full-time equivalent)
$60,133Total assets
$890Cash and due from depository institutions
$0Interest-bearing balances
$0Securities
$11,465Federal funds sold & reverse repurchase agreements
$46,701Net loans & leases
$373Loan loss allowance
$0Trading account assets
$773Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$304All other assets
$60,133Total liabilities and capital
$48,559Total liabilities
$48,514Total deposits
$45,699Interest-bearing deposits
$48,514Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$45All other liabilities
$11,574Total equity capital
$11,574Total bank equity capital
$11,574Perpetual preferred stock
$0Common stock
$12,000Surplus
$0Undivided profits
Memoranda
$-426Noncurrent loans and leases
$27,067Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$188Average Assets, year-to-date
$58,166Average Assets, quarterly
$10,488Volatile liabilities
$52,483Insider loans
$63,845FHLB advances
$15,709Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$27,067Total unused commitments
$0Restructured Loans and leases
$373Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$1,842Total interest income
$402Total interest expense
$1,440Net interest income
$373Provision for loan and lease losses
$29Total noninterest income
$0Fiduciary activities
$1Service charges on deposit accounts
$0Trading account gains & fees
$28Additional noninterest income
$1,579Total noninterest expense
$806Salaries and employee benefits
$289Premises and equipment expense
$484Additional noninterest expense
-$483Pre-tax net operating income
$42Securities gains (losses)
-$15Applicable income taxes
-$426Income before extraordinary items
$0Extraordinary gains - net
-$426Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.69%Yield on earning assets
0.81%Cost of funding earning assets
2.89%Net interest margin
0.06%Noninterest income to earning assets
3.16%Noninterest expense to earning assets
-0.89%Net operating income to assets
-0.81%Return on assets (ROA)
-0.84%Pretax return on assets
-3.67%Return on equity (ROE)
-3.67%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
107,488Assets per employee
8.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.79%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
96.26%Net loans and leases to core deposits
142.36%Equity capital to assets
19.25%Core capital (leverage) ratio
18.02%Tier 1 risk-based capital ratio
20.20%Total risk-based capital ratio
Memoranda
$21Average assets
$52,483Average earning assets
$11,598Average equity
$49,911Average loans
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