FDIC Certificate #: 32990 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Western Sierra National Bank (#24903) Federal Reserve ID: 1418433 Date Established: January 01, 1983 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 #: 12515 FDIC's unique #: 46171 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: June 29, 1990 Last Structure Change Effective Date: May 05, 2000 Last Structure Change Process Date: May 17, 2000 Last Data Update: May 17, 2000 Data Source Date: April 05, 2012
Location
Address: 1801 Douglas Boulevard, Roseville, CA 95661 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: $78.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
21Total employees (full-time equivalent)
$64,943Total assets
$2,427Cash and due from depository institutions
$71Interest-bearing balances
$7,832Securities
$1,325Federal funds sold & reverse repurchase agreements
$49,795Net loans & leases
$456Loan loss allowance
$0Trading account assets
$1,440Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,124All other assets
$64,943Total liabilities and capital
$60,435Total liabilities
$59,917Total deposits
$47,702Interest-bearing deposits
$59,917Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$518All other liabilities
$4,508Total equity capital
$4,508Total bank equity capital
$4,508Perpetual preferred stock
$0Common stock
$1,600Surplus
$422Undivided profits
Memoranda
$2,486Noncurrent loans and leases
$15,148Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4Earning assets
$0Long-term assets (5+ years)
$299Average Assets, year-to-date
$59,023Average Assets, quarterly
$9,141Volatile liabilities
$59,848Insider loans
$65,491FHLB advances
$9,786Loans and leases held for sale
$2,455Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$350Total risk weighted assets
$15,148Total unused commitments
$0Restructured Loans and leases
$456Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$4,541Total interest income
$1,858Total interest expense
$2,683Net interest income
$130Provision for loan and lease losses
$383Total noninterest income
$0Fiduciary activities
$90Service charges on deposit accounts
$0Trading account gains & fees
$293Additional noninterest income
$1,916Total noninterest expense
$886Salaries and employee benefits
$256Premises and equipment expense
$774Additional noninterest expense
$1,020Pre-tax net operating income
-$1Securities gains (losses)
$404Applicable income taxes
$615Income before extraordinary items
$0Extraordinary gains - net
$615Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.42%Yield on earning assets
3.45%Cost of funding earning assets
4.98%Net interest margin
0.71%Noninterest income to earning assets
3.55%Noninterest expense to earning assets
1.03%Net operating income to assets
1.03%Return on assets (ROA)
1.70%Pretax return on assets
14.27%Return on equity (ROE)
14.27%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
4333.33%Credit loss provision to net charge-offs
383.33%Efficiency ratio
62,492Assets per employee
3.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.91%Loss allowance to noncurrent loans
11400.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.01%Net loans and leases to deposits
83.11%Net loans and leases to core deposits
99.33%Equity capital to assets
6.94%Core capital (leverage) ratio
7.05%Tier 1 risk-based capital ratio
9.44%Total risk-based capital ratio
Memoranda
$10Average assets
$59,848Average earning assets
$4,310Average equity
$53,903Average loans
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