FDIC Certificate #: 23941 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Wells Fargo Bank, National Association (#3511) Federal Reserve ID: 517768 Date Established: July 27, 1982 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) OTS Docket #: 13636 FDIC's unique #: 16710 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: July 27, 1982 Last Structure Change Effective Date: August 25, 2000 Last Structure Change Process Date: September 22, 2000 Last Data Update: September 22, 2000 Data Source Date: April 05, 2012
Location
Address: 901 Main Street, Napa, CA 94559 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: $190.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
75Total employees (full-time equivalent)
$162,308Total assets
$9,565Cash and due from depository institutions
$0Interest-bearing balances
$38,823Securities
$4,710Federal funds sold & reverse repurchase agreements
$102,094Net loans & leases
$1,765Loan loss allowance
$0Trading account assets
$4,016Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,100All other assets
$162,308Total liabilities and capital
$152,417Total liabilities
$151,261Total deposits
$111,441Interest-bearing deposits
$151,261Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,156All other liabilities
$9,891Total equity capital
$9,891Total bank equity capital
$9,891Perpetual preferred stock
$0Common stock
$2,000Surplus
$3,150Undivided profits
Memoranda
$4,741Noncurrent loans and leases
$37,416Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$142Earning assets
$142Long-term assets (5+ years)
$1,008Average Assets, year-to-date
$145,627Average Assets, quarterly
$14,018Volatile liabilities
$149,863Insider loans
$157,183FHLB advances
$19,325Loans and leases held for sale
$954Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$37,416Total unused commitments
$185Restructured Loans and leases
$1,453Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$10,421Total interest income
$3,290Total interest expense
$7,131Net interest income
$0Provision for loan and lease losses
$1,211Total noninterest income
$0Fiduciary activities
$607Service charges on deposit accounts
$0Trading account gains & fees
$604Additional noninterest income
$5,828Total noninterest expense
$3,358Salaries and employee benefits
$806Premises and equipment expense
$1,664Additional noninterest expense
$2,514Pre-tax net operating income
$0Securities gains (losses)
$899Applicable income taxes
$1,615Income before extraordinary items
$0Extraordinary gains - net
$1,615Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$94Sale, conversion, retirement of capital stock, net
$739Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.77%Yield on earning assets
2.45%Cost of funding earning assets
5.31%Net interest margin
0.90%Noninterest income to earning assets
4.34%Noninterest expense to earning assets
1.08%Net operating income to assets
1.08%Return on assets (ROA)
1.68%Pretax return on assets
16.38%Return on equity (ROE)
8.89%Retained earnings to average equity (YTD only)
-0.10%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
69,863Assets per employee
2.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.76%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
1242.96%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.14%Net loans and leases to deposits
67.50%Net loans and leases to core deposits
77.38%Equity capital to assets
6.09%Core capital (leverage) ratio
6.57%Tier 1 risk-based capital ratio
9.11%Total risk-based capital ratio
Memoranda
$10Average assets
$149,863Average earning assets
$9,857Average equity
$134,191Average loans
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