FDIC Certificate #: 58221 Status: Active Federal Reserve ID: 3449730 Date Established: June 19, 2006 WWW:http://www.suttercommunitybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 442971 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: June 19, 2006 Last Structure Change Effective Date: Febuary 20, 2009 Last Structure Change Process Date: March 16, 2009 Last Data Update: March 16, 2009 Data Source Date: April 05, 2012
Location
Address: 700 Plumas Street, Yuba City, CA 95991 County: Sutter 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): Yuba City, CA (#9340) Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472) Core Based Statistical Area (CBSA): Yuba City, CA (#49700) CBSA Metro Statistical Area: Yuba City, CA (#49700)
Financial Summary
Total assets: $64.6 mil Equity capital: $8.3 mil Deposits held in domestic offices: $55.9 mil Return on assets (ROA): 1.83% ($1.2 mil) Quarterly return on assets: 4.33% ($2.8 mil) Return on Equity (ROE): 15.64% ($1.3 mil) Quarterly return on equity: 35.26% ($2.8 mil) Net income: $1.2 mil Quarterly Net income: $0.7 mil Pretax return on assets: 0.20% ($129.1 mil) Quarterly Pretax return on assets: -1.13% (-$729.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
18Total employees (full-time equivalent)
$64,572Total assets
$5,197Cash and due from depository institutions
$3,392Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$54,851Net loans & leases
$1,109Loan loss allowance
$0Trading account assets
$40Bank premises and fixed assets
$1,444Other real estate owned
$0Goodwill and other intangibles
$64,572Life insurance assets
$3,040All other assets
$56,244Total liabilities and capital
$55,932Total liabilities
$48,694Total deposits
$55,932Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$312Subordinated debt
$8,328All other liabilities
$8,328Total equity capital
$8,328Total bank equity capital
$0Perpetual preferred stock
$10,263Common stock
$0Surplus
$-1,935Undivided profits
Memoranda
$0Noncurrent loans and leases
$14,339Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$433Income earned, not collected on loans
$0Earning assets
$471Long-term assets (5+ years)
$58,243Average Assets, year-to-date
$12,024Average Assets, quarterly
$64,891Volatile liabilities
$64,904Insider loans
$44,533FHLB advances
$64,669Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,565Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,279Restructured Loans and leases
$1,553Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,335Total interest income
$432Total interest expense
$2,903Net interest income
$451Provision for loan and lease losses
$311Total noninterest income
$0Fiduciary activities
$144Service charges on deposit accounts
$0Trading account gains & fees
$167Additional noninterest income
$2,634Total noninterest expense
$1,429Salaries and employee benefits
$172Premises and equipment expense
$1,033Additional noninterest expense
$129Pre-tax net operating income
$0Securities gains (losses)
-$1,058Applicable income taxes
$1,187Income before extraordinary items
$0Extraordinary gains - net
$1,187Net income attributable to bank
$0Net charge-offs
$1,187Cash dividends
$367Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.67%Yield on earning assets
0.73%Cost of funding earning assets
4.93%Net interest margin
0.53%Noninterest income to earning assets
4.48%Noninterest expense to earning assets
1.83%Net operating income to assets
1.83%Return on assets (ROA)
0.20%Pretax return on assets
15.64%Return on equity (ROE)
15.64%Retained earnings to average equity (YTD only)
0.72%Net charge-offs to loans
122.89%Credit loss provision to net charge-offs
1.58%Efficiency ratio
81,954Assets per employee
3.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.98%Loss allowance to noncurrent loans
256.12%Noncurrent assets plus other real estate owned to assets
2.91%Noncurrent loans to loans
0.77%Net loans and leases to deposits
98.07%Net loans and leases to core deposits
104.19%Equity capital to assets
12.90%Core capital (leverage) ratio
11.70%Tier 1 risk-based capital ratio
16.99%Total risk-based capital ratio
Memoranda
$18Average assets
$64,891Average earning assets
$7,591Average equity
$58,860Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
442971
Sutter Community Bank
700 Plumas Street, Yuba City, CA 95991
June 19, 2006
Full Service Brick and Mortar
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