FDIC Certificate #: 23543 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Greater Bay Bank, National Association (#27068) Federal Reserve ID: 16766 Date Established: September 25, 1981 WWW:http://www.pbck.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 16487 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: September 25, 1981 Last Structure Change Effective Date: Febuary 02, 2004 Last Structure Change Process Date: Febuary 19, 2004 Last Data Update: Febuary 19, 2004 Data Source Date: April 05, 2012
Location
Address: 1001 Broadway, Millbrae, CA 94030 County: San Mateo 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): San Francisco, CA (#7360) 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): San Francisco-Oakland-Fremont, CA (#41860) CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860) Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
Financial Summary
Total assets: $394.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$394,628Total assets
$11,416Cash and due from depository institutions
$226Interest-bearing balances
$166,599Securities
$1,000Federal funds sold & reverse repurchase agreements
$192,668Net loans & leases
$5,301Loan loss allowance
$0Trading account assets
$1,825Bank premises and fixed assets
$0Other real estate owned
$15Goodwill and other intangibles
$0Life insurance assets
$21,105All other assets
$394,628Total liabilities and capital
$354,921Total liabilities
$261,536Total deposits
$245,680Interest-bearing deposits
$261,536Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$80,000Other borrowed funds
$0Subordinated debt
$13,385All other liabilities
$39,707Total equity capital
$39,707Total bank equity capital
$39,707Perpetual preferred stock
$0Common stock
$7,576Surplus
$5,250Undivided profits
Memoranda
$26,881Noncurrent loans and leases
$72,210Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,480Earning assets
$0Long-term assets (5+ years)
$1,660Average Assets, year-to-date
$360,493Average Assets, quarterly
$102,327Volatile liabilities
$464,037Insider loans
$407,466FHLB advances
$145,011Loans and leases held for sale
$1,911Unused loan commitments
$80,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$505Total risk weighted assets
$72,210Total unused commitments
$0Restructured Loans and leases
$3,340Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$23,629Total interest income
$5,699Total interest expense
$17,930Net interest income
-$13Provision for loan and lease losses
$1,117Total noninterest income
$0Fiduciary activities
$297Service charges on deposit accounts
$0Trading account gains & fees
$820Additional noninterest income
$7,396Total noninterest expense
$1,221Salaries and employee benefits
$157Premises and equipment expense
$6,018Additional noninterest expense
$11,664Pre-tax net operating income
$219Securities gains (losses)
$4,462Applicable income taxes
$7,421Income before extraordinary items
$0Extraordinary gains - net
$7,421Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1,348Sale, conversion, retirement of capital stock, net
$1,857Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.49%Yield on earning assets
1.32%Cost of funding earning assets
4.17%Net interest margin
0.26%Noninterest income to earning assets
1.72%Noninterest expense to earning assets
1.57%Net operating income to assets
1.60%Return on assets (ROA)
2.56%Pretax return on assets
19.42%Return on equity (ROE)
14.56%Retained earnings to average equity (YTD only)
0.65%Net charge-offs to loans
-0.96%Credit loss provision to net charge-offs
8.64%Efficiency ratio
38,830Assets per employee
20.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.02%Loss allowance to loans
2.68%Loss allowance to noncurrent loans
358.18%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.75%Net loans and leases to deposits
73.67%Net loans and leases to core deposits
103.29%Equity capital to assets
10.06%Core capital (leverage) ratio
10.93%Tier 1 risk-based capital ratio
17.57%Total risk-based capital ratio
Memoranda
$19Average assets
$464,037Average earning assets
$38,207Average equity
$430,321Average loans
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