FDIC Certificate #: 57260 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Rabobank, National Association (#23364) Federal Reserve ID: 3049701 Date Established: March 01, 2002 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 360272 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: March 01, 2002 Last Structure Change Effective Date: April 30, 2010 Last Structure Change Process Date: May 17, 2010 Last Data Update: May 17, 2010 Data Source Date: April 05, 2012
Location
Address: 700 Trancas Street, Napa, CA 94558 County: Napa 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): Vallejo-Fairfield-Napa, CA (#8720) 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): Napa, CA (#34900) CBSA Metro Statistical Area: Napa, CA (#34900)
Financial Summary
Total assets: $159.0 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2009)
Dollar figures in thousands
23Total employees (full-time equivalent)
$166,905Total assets
$10,367Cash and due from depository institutions
$642Interest-bearing balances
$1,002Securities
$10,560Federal funds sold & reverse repurchase agreements
$138,864Net loans & leases
$2,493Loan loss allowance
$0Trading account assets
$487Bank premises and fixed assets
$718Other real estate owned
$0Goodwill and other intangibles
$197Life insurance assets
$4,907All other assets
$166,905Total liabilities and capital
$151,247Total liabilities
$142,366Total deposits
$115,871Interest-bearing deposits
$142,366Deposits held in domestic offices
80.03%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$8,500Other borrowed funds
$0Subordinated debt
$381All other liabilities
$15,658Total equity capital
$15,658Total bank equity capital
$15,658Perpetual preferred stock
$0Common stock
$6,100Surplus
$3,509Undivided profits
Memoranda
$6,049Noncurrent loans and leases
$24,014Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,287Earning assets
$0Long-term assets (5+ years)
$527Average Assets, year-to-date
$151,068Average Assets, quarterly
$52,750Volatile liabilities
$156,484Insider loans
$164,959FHLB advances
$48,411Loans and leases held for sale
$1,442Unused loan commitments
$8,500Tier 1 (core) risk-based capital
$4,737Tier 2 risk-based capital
$1,859Total risk weighted assets
$24,014Total unused commitments
$0Restructured Loans and leases
$1,874Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$8,578Total interest income
$1,224Total interest expense
$7,354Net interest income
$3,174Provision for loan and lease losses
$360Total noninterest income
$0Fiduciary activities
$365Service charges on deposit accounts
$0Trading account gains & fees
-$5Additional noninterest income
$3,678Total noninterest expense
$1,613Salaries and employee benefits
$602Premises and equipment expense
$1,463Additional noninterest expense
$862Pre-tax net operating income
$0Securities gains (losses)
$377Applicable income taxes
$485Income before extraordinary items
$0Extraordinary gains - net
$485Net income attributable to bank
$0Net charge-offs
$485Cash dividends
$2,571Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.94%Yield on earning assets
0.85%Cost of funding earning assets
5.09%Net interest margin
0.25%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
0.31%Net operating income to assets
0.31%Return on assets (ROA)
0.55%Pretax return on assets
3.07%Return on equity (ROE)
3.07%Retained earnings to average equity (YTD only)
1.87%Net charge-offs to loans
123.45%Credit loss provision to net charge-offs
1.57%Efficiency ratio
47,680Assets per employee
7.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.76%Loss allowance to noncurrent loans
75.84%Noncurrent assets plus other real estate owned to assets
2.40%Noncurrent loans to loans
2.33%Net loans and leases to deposits
97.54%Net loans and leases to core deposits
135.54%Equity capital to assets
9.38%Core capital (leverage) ratio
9.82%Tier 1 risk-based capital ratio
10.48%Total risk-based capital ratio
Memoranda
$12Average assets
$156,484Average earning assets
$15,789Average equity
$144,518Average loans
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