FDIC Certificate #: 33212 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:American River Bank (#24655) Federal Reserve ID: 1492152 Date Established: October 25, 1990 WWW:http://www.northcoastbank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) OTS Docket #: 10384 FDIC's unique #: 46453 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: October 25, 1990 Last Structure Change Effective Date: January 01, 2004 Last Structure Change Process Date: Febuary 03, 2004 Last Data Update: Febuary 03, 2004 Data Source Date: April 05, 2012
Location
Address: 50 Santa Rosa Avenue, Santa Rosa, CA 95404 County: Sonoma 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): Santa Rosa, CA (#7500) 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): Santa Rosa-Petaluma, CA (#42220) CBSA Metro Statistical Area: Santa Rosa-Petaluma, CA (#42220)
Financial Summary
Total assets: $78.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
22Total employees (full-time equivalent)
$78,477Total assets
$6,495Cash and due from depository institutions
$1,488Interest-bearing balances
$16,261Securities
$0Federal funds sold & reverse repurchase agreements
$54,084Net loans & leases
$906Loan loss allowance
$0Trading account assets
$632Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,005All other assets
$78,477Total liabilities and capital
$72,674Total liabilities
$72,490Total deposits
$53,895Interest-bearing deposits
$72,490Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$184All other liabilities
$5,803Total equity capital
$5,803Total bank equity capital
$5,803Perpetual preferred stock
$0Common stock
$3,995Surplus
$0Undivided profits
Memoranda
$1,808Noncurrent loans and leases
$10,931Noncurrent 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)
$323Average Assets, year-to-date
$71,833Average Assets, quarterly
$10,287Volatile liabilities
$72,675Insider loans
$79,009FHLB advances
$8,616Loans and leases held for sale
$1,010Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,931Total unused commitments
$5Restructured Loans and leases
$746Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$4,125Total interest income
$771Total interest expense
$3,354Net interest income
$183Provision for loan and lease losses
$291Total noninterest income
$0Fiduciary activities
$150Service charges on deposit accounts
$0Trading account gains & fees
$141Additional noninterest income
$2,630Total noninterest expense
$1,193Salaries and employee benefits
$504Premises and equipment expense
$933Additional noninterest expense
$832Pre-tax net operating income
$0Securities gains (losses)
$337Applicable income taxes
$495Income before extraordinary items
$0Extraordinary gains - net
$495Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$91Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.22%Yield on earning assets
1.16%Cost of funding earning assets
5.06%Net interest margin
0.44%Noninterest income to earning assets
3.97%Noninterest expense to earning assets
0.68%Net operating income to assets
0.68%Return on assets (ROA)
1.14%Pretax return on assets
8.90%Return on equity (ROE)
8.90%Retained earnings to average equity (YTD only)
-0.17%Net charge-offs to loans
-201.10%Credit loss provision to net charge-offs
0.00%Efficiency ratio
72,154Assets per employee
3.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.65%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
74.61%Net loans and leases to core deposits
84.67%Equity capital to assets
7.39%Core capital (leverage) ratio
7.05%Tier 1 risk-based capital ratio
9.51%Total risk-based capital ratio
Memoranda
$11Average assets
$72,675Average earning assets
$5,563Average equity
$66,283Average loans
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