FDIC Certificate #: 24380 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:California Bank & Trust (#20852) Federal Reserve ID: 665575 Date Established: January 01, 1983 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) OTS Docket #: 15856 FDIC's unique #: 16963 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: January 01, 1983 Last Structure Change Effective Date: October 07, 1999 Last Structure Change Process Date: October 28, 1999 Last Data Update: October 28, 1999 Data Source Date: April 05, 2012
Location
Address: 7060 North Fresno Street, Fresno, CA 93704 County: Fresno 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): Fresno, CA (#2840) Combined Statistical Area (CSA): Fresno-Madera, CA (#260) Core Based Statistical Area (CBSA): Fresno, CA (#23420) CBSA Metro Statistical Area: Fresno, CA (#23420)
Financial Summary
Total assets: $231.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
87Total employees (full-time equivalent)
$231,866Total assets
$21,056Cash and due from depository institutions
$836Interest-bearing balances
$48,160Securities
$5,000Federal funds sold & reverse repurchase agreements
$147,588Net loans & leases
$2,631Loan loss allowance
$0Trading account assets
$1,365Bank premises and fixed assets
$684Other real estate owned
$93Goodwill and other intangibles
$0Life insurance assets
$7,920All other assets
$231,866Total liabilities and capital
$212,360Total liabilities
$209,884Total deposits
$152,401Interest-bearing deposits
$209,884Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$245Other borrowed funds
$0Subordinated debt
$2,231All other liabilities
$19,506Total equity capital
$19,506Total bank equity capital
$19,506Perpetual preferred stock
$0Common stock
$11,469Surplus
$450Undivided profits
Memoranda
$7,587Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,211Earning assets
$1,056Long-term assets (5+ years)
$944Average Assets, year-to-date
$201,584Average Assets, quarterly
$38,587Volatile liabilities
$210,132Insider loans
$227,732FHLB advances
$33,377Loans and leases held for sale
$603Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$130Total risk weighted assets
$55,376Total unused commitments
$0Restructured Loans and leases
$141,589Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$18,638Total interest income
$5,453Total interest expense
$13,185Net interest income
$375Provision for loan and lease losses
$2,153Total noninterest income
$0Fiduciary activities
$539Service charges on deposit accounts
$0Trading account gains & fees
$1,614Additional noninterest income
$8,664Total noninterest expense
$4,516Salaries and employee benefits
$1,336Premises and equipment expense
$2,812Additional noninterest expense
$6,299Pre-tax net operating income
$15Securities gains (losses)
$2,630Applicable income taxes
$3,684Income before extraordinary items
$0Extraordinary gains - net
$3,684Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$37Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
10.13%Yield on earning assets
2.96%Cost of funding earning assets
7.17%Net interest margin
1.17%Noninterest income to earning assets
4.71%Noninterest expense to earning assets
1.75%Net operating income to assets
1.75%Return on assets (ROA)
3.00%Pretax return on assets
21.23%Return on equity (ROE)
21.23%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
-1013.51%Credit loss provision to net charge-offs
0.00%Efficiency ratio
56,487Assets per employee
2.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.75%Loss allowance to noncurrent loans
217.26%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
0.81%Net loans and leases to deposits
70.32%Net loans and leases to core deposits
83.62%Equity capital to assets
8.41%Core capital (leverage) ratio
8.03%Tier 1 risk-based capital ratio
12.91%Total risk-based capital ratio
Memoranda
$14Average assets
$210,132Average earning assets
$17,353Average equity
$183,942Average loans
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