Placer Sierra Bank in Auburn, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 22, 2007

  • Placer Sierra Bank in Auburn, California (CA)
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Placer Sierra Bank - Overview

  • General
  • FDIC Certificate #: 30307
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Wells Fargo Bank, National Association (#3511)
    Federal Reserve ID: 33772
    Date Established: January 01, 1946
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 53 (Interstate: No)
    OTS Docket #: 5143
    FDIC's unique #: 43141
    Numeric code: 13
    Regulator: FED
    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: January 29, 1948
    Last Structure Change Effective Date: September 22, 2007
    Last Structure Change Process Date: October 02, 2007
    Last Data Update: October 02, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 949 Lincoln Way, Auburn, CA 95603
    County: Placer
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • Financial Summary
  • Total assets: $2,504.0 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, 2006)

  • Dollar figures in thousands
  • 593Total employees (full-time equivalent)
  • $2,635,111Total assets
  • $184,118Cash and due from depository institutions
  • $334Interest-bearing balances
  • $151,167Securities
  • $111,100Federal funds sold & reverse repurchase agreements
  • $1,827,516Net loans & leases
  • $22,328Loan loss allowance
  • $0Trading account assets
  • $21,579Bank premises and fixed assets
  • $2,991Other real estate owned
  • $239,771Goodwill and other intangibles
  • $54,349Life insurance assets
  • $96,869All other assets
  • $2,635,111Total liabilities and capital
  • $2,207,024Total liabilities
  • $2,167,369Total deposits
  • $1,254,540Interest-bearing deposits
  • $2,167,369Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,518Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $28,137All other liabilities
  • $428,087Total equity capital
  • $428,087Total bank equity capital
  • $428,087Perpetual preferred stock
  • $0Common stock
  • $113,050Surplus
  • $277,603Undivided profits
  • Memoranda
  • $37,434Noncurrent loans and leases
  • $592,997Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $13,838Earning assets
  • $0Long-term assets (5+ years)
  • $12,038Average Assets, year-to-date
  • $2,090,117Average Assets, quarterly
  • $873,439Volatile liabilities
  • $2,349,886Insider loans
  • $2,646,571FHLB advances
  • $232,534Loans and leases held for sale
  • $570Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,115Total risk weighted assets
  • $592,997Total unused commitments
  • $0Restructured Loans and leases
  • $22,760Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $137,295Total interest income
  • $29,502Total interest expense
  • $107,793Net interest income
  • $0Provision for loan and lease losses
  • $17,674Total noninterest income
  • $0Fiduciary activities
  • $7,908Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,766Additional noninterest income
  • $70,882Total noninterest expense
  • $33,259Salaries and employee benefits
  • $14,381Premises and equipment expense
  • $23,242Additional noninterest expense
  • $54,585Pre-tax net operating income
  • -$1,701Securities gains (losses)
  • $20,758Applicable income taxes
  • $32,126Income before extraordinary items
  • $0Extraordinary gains - net
  • $32,126Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$639Sale, conversion, retirement of capital stock, net
  • $27,000Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.23%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 5.67%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 2.25%Pretax return on assets
  • 8.97%Return on equity (ROE)
  • 1.43%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,526Assets per employee
  • 4.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.04%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 161.35%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 84.32%Net loans and leases to core deposits
  • 93.89%Equity capital to assets
  • 16.25%Core capital (leverage) ratio
  • 8.31%Tier 1 risk-based capital ratio
  • 9.86%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $2,349,886Average earning assets
  • $358,225Average equity
  • $1,899,715Average loans

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