Lamorinda National Bank in Lafayette, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 13, 1997

  • Lamorinda National Bank in Lafayette, California (CA)
  • Show street view No street view available for this location

Lamorinda National Bank - Overview

  • General
  • FDIC Certificate #: 24317
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: U.S. Bank of California (#1304)
    Federal Reserve ID: 897367
    Date Established: Febuary 03, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 16918
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 03, 1983
    Last Structure Change Effective Date: March 13, 1997
    Last Structure Change Process Date: April 02, 1997
    Last Data Update: April 02, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 3528 Mt. Diablo Boulevard, Lafayette, CA 94549
    County: Contra Costa
    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: $168.5 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)
  • $37Total assets
  • $168,481Cash and due from depository institutions
  • $11,484Interest-bearing balances
  • $0Securities
  • $24,468Federal funds sold & reverse repurchase agreements
  • $24,832Net loans & leases
  • $105,223Loan loss allowance
  • $1,726Trading account assets
  • $0Bank premises and fixed assets
  • $435Other real estate owned
  • $12Goodwill and other intangibles
  • $2,027Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $168,481Total liabilities
  • $154,934Total deposits
  • $154,654Interest-bearing deposits
  • $119,912Deposits held in domestic offices
  • 154654.00%% insured (estimated)
  • $77Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $280Total equity capital
  • $280Total bank equity capital
  • $13,547Perpetual preferred stock
  • $0Common stock
  • $2,250Surplus
  • $9,664Undivided profits
  • Memoranda
  • $1,633Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $778Income earned, not collected on loans
  • $620Earning assets
  • $154,523Long-term assets (5+ years)
  • $14,925Average Assets, year-to-date
  • $158,816Average Assets, quarterly
  • $164,569Volatile liabilities
  • $19,441Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $41,708Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,337Total risk weighted assets
  • $113,278Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,741Total interest expense
  • $2,240Net interest income
  • $5,501Provision for loan and lease losses
  • $795Total noninterest income
  • $354Fiduciary activities
  • $0Service charges on deposit accounts
  • $248Trading account gains & fees
  • $0Additional noninterest income
  • $106Total noninterest expense
  • $2,655Salaries and employee benefits
  • $1,064Premises and equipment expense
  • $373Additional noninterest expense
  • $1,218Pre-tax net operating income
  • $2,405Securities gains (losses)
  • $0Applicable income taxes
  • $982Income before extraordinary items
  • $1,423Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,423Net charge-offs
  • $365Cash 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
  • 5.25%Cost of funding earning assets
  • 1.52%Net interest margin
  • 3.73%Noninterest income to earning assets
  • 0.24%Noninterest expense to earning assets
  • 1.80%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 1.51%Return on equity (ROE)
  • 12.16%Retained earnings to average equity (YTD only)
  • 12.16%Net charge-offs to loans
  • 0.34%Credit loss provision to net charge-offs
  • 217.81%Efficiency ratio
  • 45,346Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 221.85%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 68.04%Net loans and leases to core deposits
  • 77.82%Equity capital to assets
  • 8.04%Core capital (leverage) ratio
  • 8.15%Tier 1 risk-based capital ratio
  • 11.77%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $158,816Average earning assets
  • $11,703Average equity
  • $147,460Average loans

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