FDIC Certificate #: 25853 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Umpqua Bank (#17266) Federal Reserve ID: 91866 Date Established: January 21, 1985 WWW:http://www.vintagebank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 10 (Interstate: No) OTS Docket #: 9541 FDIC's unique #: 32089 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 21, 1985 Last Structure Change Effective Date: April 27, 2007 Last Structure Change Process Date: May 02, 2007 Last Data Update: May 02, 2007 Data Source Date: April 05, 2012
Location
Address: 1500 Soscol Avenue, Napa, CA 94559 County: Napa Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: San Francisco 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): Napa, CA (#34900) CBSA Metro Statistical Area: Napa, CA (#34900)
Financial Summary
Total assets: $659.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
181Total employees (full-time equivalent)
$654,502Total assets
$32,358Cash and due from depository institutions
$0Interest-bearing balances
$88,365Securities
$42,410Federal funds sold & reverse repurchase agreements
$455,584Net loans & leases
$5,052Loan loss allowance
$0Trading account assets
$9,625Bank premises and fixed assets
$0Other real estate owned
$630Goodwill and other intangibles
$10,461Life insurance assets
$25,530All other assets
$654,501Total liabilities and capital
$590,774Total liabilities
$479,822Total deposits
$319,875Interest-bearing deposits
$479,822Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$104,000Other borrowed funds
$0Subordinated debt
$6,952All other liabilities
$63,727Total equity capital
$63,727Total bank equity capital
$63,727Perpetual preferred stock
$0Common stock
$24,893Surplus
$0Undivided profits
Memoranda
$38,834Noncurrent loans and leases
$126,429Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$250Earning assets
$0Long-term assets (5+ years)
$2,615Average Assets, year-to-date
$586,359Average Assets, quarterly
$120,792Volatile liabilities
$630,332Insider loans
$651,566FHLB advances
$94,297Loans and leases held for sale
$13,939Unused loan commitments
$104,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$126,429Total unused commitments
$0Restructured Loans and leases
$5,194Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$39,223Total interest income
$8,944Total interest expense
$30,279Net interest income
$200Provision for loan and lease losses
$4,213Total noninterest income
$0Fiduciary activities
$2,073Service charges on deposit accounts
$0Trading account gains & fees
$2,140Additional noninterest income
$20,654Total noninterest expense
$11,665Salaries and employee benefits
$3,501Premises and equipment expense
$5,488Additional noninterest expense
$13,638Pre-tax net operating income
$18Securities gains (losses)
$4,872Applicable income taxes
$8,784Income before extraordinary items
$0Extraordinary gains - net
$8,784Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$72Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.96%Yield on earning assets
1.59%Cost of funding earning assets
5.38%Net interest margin
0.75%Noninterest income to earning assets
3.67%Noninterest expense to earning assets
1.39%Net operating income to assets
1.39%Return on assets (ROA)
2.17%Pretax return on assets
14.93%Return on equity (ROE)
14.93%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
277.78%Credit loss provision to net charge-offs
192.19%Efficiency ratio
59,579Assets per employee
3.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
2020.80%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.05%Net loans and leases to deposits
94.95%Net loans and leases to core deposits
108.34%Equity capital to assets
9.74%Core capital (leverage) ratio
9.78%Tier 1 risk-based capital ratio
11.70%Total risk-based capital ratio
Memoranda
$13Average assets
$630,332Average earning assets
$58,823Average equity
$563,318Average loans
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