FDIC Certificate #: 25726 Status: Active Federal Reserve ID: 855563 Date Established: Febuary 01, 1984 WWW:http://www.murphybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13217 FDIC's unique #: 17599 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Consumer Lending Specialization Date of Deposit Insurance: October 29, 1984 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 5180 North Palm Avenue, Fresno, CA 93704 County: Fresno 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): Fresno, CA (#2840) Combined Statistical Area (CSA): Fresno-Madera, CA (#260) Core Based Statistical Area (CBSA): Fresno, CA (#23420) CBSA Metro Statistical Area: Fresno, CA (#23420)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $109.2 mil Equity capital: $18.5 mil Deposits held in domestic offices: $90.5 mil Return on assets (ROA): 2.54% ($2.8 mil) Quarterly return on assets: 2.49% ($2.7 mil) Return on Equity (ROE): 15.76% ($3.0 mil) Quarterly return on equity: 14.81% ($2.8 mil) Net income: $2.8 mil Quarterly Net income: $0.7 mil Pretax return on assets: 2.62% ($2,861.5 mil) Quarterly Pretax return on assets: 2.55% ($2,785.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$109,218Total assets
$18,284Cash and due from depository institutions
$14,815Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$89,030Net loans & leases
$1,433Loan loss allowance
$0Trading account assets
$212Bank premises and fixed assets
$150Other real estate owned
$0Goodwill and other intangibles
$109,218Life insurance assets
$1,542All other assets
$90,695Total liabilities and capital
$90,511Total liabilities
$90,174Total deposits
$90,511Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$184Subordinated debt
$18,523All other liabilities
$18,523Total equity capital
$18,523Total bank equity capital
$0Perpetual preferred stock
$972Common stock
$1,628Surplus
$15,923Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,040Income earned, not collected on loans
$0Earning assets
$475Long-term assets (5+ years)
$103,845Average Assets, year-to-date
$284Average Assets, quarterly
$111,514Volatile liabilities
$109,202Insider loans
$85,692FHLB advances
$109,432Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,523Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$14Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,086Total interest income
$872Total interest expense
$7,214Net interest income
$983Provision for loan and lease losses
$44Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$44Additional noninterest income
$3,351Total noninterest expense
$1,890Salaries and employee benefits
$505Premises and equipment expense
$956Additional noninterest expense
$2,924Pre-tax net operating income
$0Securities gains (losses)
$93Applicable income taxes
$2,831Income before extraordinary items
$0Extraordinary gains - net
$2,831Net income attributable to bank
$0Net charge-offs
$2,831Cash dividends
$951Sale, conversion, retirement of capital stock, net
$1,740Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.55%Yield on earning assets
0.81%Cost of funding earning assets
6.74%Net interest margin
0.04%Noninterest income to earning assets
3.13%Noninterest expense to earning assets
2.54%Net operating income to assets
2.54%Return on assets (ROA)
2.62%Pretax return on assets
15.76%Return on equity (ROE)
6.07%Retained earnings to average equity (YTD only)
1.04%Net charge-offs to loans
103.36%Credit loss provision to net charge-offs
4.11%Efficiency ratio
46,170Assets per employee
4.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.46%Loss allowance to loans
1.58%Loss allowance to noncurrent loans
137.79%Noncurrent assets plus other real estate owned to assets
1.09%Noncurrent loans to loans
1.15%Net loans and leases to deposits
98.36%Net loans and leases to core deposits
115.25%Equity capital to assets
16.96%Core capital (leverage) ratio
16.93%Tier 1 risk-based capital ratio
21.62%Total risk-based capital ratio
Memoranda
$23Average assets
$111,514Average earning assets
$17,962Average equity
$107,085Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
17599
Murphy Bank
5180 North Palm Avenue, Fresno, CA 93704
Febuary 01, 1984
Full Service Brick and Mortar
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