Northbay Savings Bank, FSB in Petaluma, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 29, 1996

  • Northbay Savings Bank, FSB in Petaluma, California (CA)
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Northbay Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 31483
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of the West (#3514)
    Federal Reserve ID: 421379
    Date Established: May 10, 1965
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7054
    FDIC's unique #: 44317
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 10, 1965
    Last Structure Change Effective Date: April 29, 1996
    Last Structure Change Process Date: May 01, 1996
    Last Data Update: May 01, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 20 Petaluma Boulevard South, Petaluma, CA 94952
    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: $387.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $103Total assets
  • $397,013Cash and due from depository institutions
  • $9,873Interest-bearing balances
  • $2,348Securities
  • $34,173Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $341,571Loan loss allowance
  • $2,357Trading account assets
  • $0Bank premises and fixed assets
  • $2,272Other real estate owned
  • $782Goodwill and other intangibles
  • $8,278Life insurance assets
  • $64All other assets
  • $0Total liabilities and capital
  • $397,013Total liabilities
  • $362,094Total deposits
  • $284,754Interest-bearing deposits
  • $279,019Deposits held in domestic offices
  • 284754.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $4,200Trading liabilities
  • $0Other borrowed funds
  • $69,988Subordinated debt
  • $0All other liabilities
  • $3,152Total equity capital
  • $3,152Total bank equity capital
  • $34,919Perpetual preferred stock
  • $0Common stock
  • $275Surplus
  • $20,849Undivided profits
  • Memoranda
  • $13,795Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,134Income earned, not collected on loans
  • $2,223Earning assets
  • $378,092Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $393,584Average Assets, quarterly
  • $396,215Volatile liabilities
  • $107,934Insider loans
  • $519FHLB advances
  • $69,336Loans and leases held for sale
  • $0Unused loan commitments
  • $19,052Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $34,778Total risk weighted assets
  • $245,272Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $27,862Total interest expense
  • $16,830Net interest income
  • $11,032Provision for loan and lease losses
  • $360Total noninterest income
  • $1,033Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,033Total noninterest expense
  • $8,946Salaries and employee benefits
  • $4,232Premises and equipment expense
  • $1,666Additional noninterest expense
  • $3,048Pre-tax net operating income
  • $2,759Securities gains (losses)
  • $0Applicable income taxes
  • $971Income before extraordinary items
  • $1,788Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,788Net charge-offs
  • $210Cash dividends
  • $1,200Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.45%Cost of funding earning assets
  • 4.50%Net interest margin
  • 2.95%Noninterest income to earning assets
  • 0.28%Noninterest expense to earning assets
  • 2.39%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 0.70%Return on equity (ROE)
  • 5.22%Retained earnings to average equity (YTD only)
  • 1.72%Net charge-offs to loans
  • 0.06%Credit loss provision to net charge-offs
  • 171.43%Efficiency ratio
  • 73,983Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.11%Loss allowance to loans
  • 0.69%Loss allowance to noncurrent loans
  • 75.21%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 0.91%Net loans and leases to deposits
  • 119.95%Net loans and leases to core deposits
  • 136.08%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 14.18%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $393,584Average earning assets
  • $34,266Average equity
  • $373,903Average loans

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