FDIC Certificate #: 24903 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Umpqua Bank (#17266) Federal Reserve ID: 7166 Date Established: January 04, 1984 WWW:http://www.wsnb.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 14 (Interstate: No) OTS Docket #: 13088 FDIC's unique #: 17266 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 04, 1984 Last Structure Change Effective Date: June 03, 2006 Last Structure Change Process Date: June 08, 2006 Last Data Update: June 08, 2006 Data Source Date: April 05, 2012
Location
Address: 4011 Plaza Goldorado Circle, Cameron Park, CA 95682 County: El Dorado 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: $577.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
134Total employees (full-time equivalent)
$605,986Total assets
$21,214Cash and due from depository institutions
$104Interest-bearing balances
$34,140Securities
$21,175Federal funds sold & reverse repurchase agreements
$497,066Net loans & leases
$7,301Loan loss allowance
$0Trading account assets
$7,438Bank premises and fixed assets
$0Other real estate owned
$43Goodwill and other intangibles
$0Life insurance assets
$24,910All other assets
$605,986Total liabilities and capital
$545,877Total liabilities
$500,689Total deposits
$349,196Interest-bearing deposits
$500,689Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$42,000Other borrowed funds
$0Subordinated debt
$3,188All other liabilities
$60,109Total equity capital
$60,109Total bank equity capital
$60,109Perpetual preferred stock
$0Common stock
$5,220Surplus
$6,352Undivided profits
Memoranda
$48,537Noncurrent loans and leases
$151,583Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$201Earning assets
$123Long-term assets (5+ years)
$2,445Average Assets, year-to-date
$552,485Average Assets, quarterly
$171,624Volatile liabilities
$584,706Insider loans
$610,806FHLB advances
$156,512Loans and leases held for sale
$1,309Unused loan commitments
$42,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,582Total risk weighted assets
$151,583Total unused commitments
$0Restructured Loans and leases
$6,731Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$36,430Total interest income
$7,474Total interest expense
$28,956Net interest income
$1,045Provision for loan and lease losses
$7,472Total noninterest income
$0Fiduciary activities
$1,957Service charges on deposit accounts
$0Trading account gains & fees
$5,515Additional noninterest income
$16,980Total noninterest expense
$8,270Salaries and employee benefits
$2,401Premises and equipment expense
$6,309Additional noninterest expense
$18,403Pre-tax net operating income
$1Securities gains (losses)
$6,724Applicable income taxes
$11,680Income before extraordinary items
$0Extraordinary gains - net
$11,680Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$111Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.83%Yield on earning assets
1.40%Cost of funding earning assets
5.43%Net interest margin
1.40%Noninterest income to earning assets
3.18%Noninterest expense to earning assets
2.00%Net operating income to assets
2.00%Return on assets (ROA)
3.15%Pretax return on assets
21.55%Return on equity (ROE)
21.55%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
941.44%Credit loss provision to net charge-offs
175.21%Efficiency ratio
46,511Assets per employee
4.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
3632.34%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.04%Net loans and leases to deposits
99.28%Net loans and leases to core deposits
129.38%Equity capital to assets
9.92%Core capital (leverage) ratio
10.08%Tier 1 risk-based capital ratio
11.12%Total risk-based capital ratio
Memoranda
$12Average assets
$584,706Average earning assets
$54,208Average equity
$533,577Average loans
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