FDIC Certificate #: 35511 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Vintage Bank (#25853) Federal Reserve ID: 2914361 Date Established: July 17, 2000 WWW:http://www.solanobank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 4 (Interstate: No) FDIC's unique #: 80596 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: July 17, 2000 Last Structure Change Effective Date: January 15, 2005 Last Structure Change Process Date: Febuary 08, 2005 Last Data Update: Febuary 08, 2005 Data Source Date: April 05, 2012
Location
Address: 403 Davis Street, Vacaville, CA 95688 County: Solano 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): Vallejo-Fairfield-Napa, CA (#8720) 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): Vallejo-Fairfield, CA (#46700) CBSA Metro Statistical Area: Vallejo-Fairfield, CA (#46700)
Financial Summary
Total assets: $116.5 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2004)
Dollar figures in thousands
26Total employees (full-time equivalent)
$116,454Total assets
$5,398Cash and due from depository institutions
$0Interest-bearing balances
$6,886Securities
$4,240Federal funds sold & reverse repurchase agreements
$95,518Net loans & leases
$997Loan loss allowance
$0Trading account assets
$3,084Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,328All other assets
$116,454Total liabilities and capital
$105,485Total liabilities
$105,165Total deposits
$102,299Interest-bearing deposits
$105,165Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$320All other liabilities
$10,969Total equity capital
$10,969Total bank equity capital
$10,969Perpetual preferred stock
$0Common stock
$12,000Surplus
$0Undivided profits
Memoranda
$-1,031Noncurrent loans and leases
$26,235Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$428Average Assets, year-to-date
$106,644Average Assets, quarterly
$23,406Volatile liabilities
$103,594Insider loans
$113,113FHLB advances
$10,350Loans and leases held for sale
$4,298Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$26,235Total unused commitments
$0Restructured Loans and leases
$1,023Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,703Total interest income
$633Total interest expense
$5,070Net interest income
$372Provision for loan and lease losses
$728Total noninterest income
$0Fiduciary activities
$503Service charges on deposit accounts
$0Trading account gains & fees
$225Additional noninterest income
$4,400Total noninterest expense
$1,556Salaries and employee benefits
$573Premises and equipment expense
$2,271Additional noninterest expense
$1,026Pre-tax net operating income
$0Securities gains (losses)
$430Applicable income taxes
$596Income before extraordinary items
$0Extraordinary gains - net
$596Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.16%Yield on earning assets
0.68%Cost of funding earning assets
5.48%Net interest margin
0.79%Noninterest income to earning assets
4.75%Noninterest expense to earning assets
0.58%Net operating income to assets
0.58%Return on assets (ROA)
0.99%Pretax return on assets
6.62%Return on equity (ROE)
6.62%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,888Assets per employee
4.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
90.83%Net loans and leases to core deposits
100.74%Equity capital to assets
9.42%Core capital (leverage) ratio
9.31%Tier 1 risk-based capital ratio
9.97%Total risk-based capital ratio
Memoranda
$11Average assets
$103,594Average earning assets
$8,999Average equity
$92,588Average loans
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