FDIC Certificate #: 22486 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Premier Valley Bank (#57098) Federal Reserve ID: 188261 Date Established: July 01, 1977 WWW:http://www.yosemitebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 15680 Numeric code: 21 Regulator: FDIC 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 01, 1977 Last Structure Change Effective Date: March 31, 2005 Last Structure Change Process Date: April 08, 2005 Last Data Update: April 08, 2005 Data Source Date: April 05, 2012
Location
Address: 5371 Highway 49 North, Mariposa, CA 95338 County: Mariposa 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
Financial Summary
Total assets: $160.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
53Total employees (full-time equivalent)
$160,850Total assets
$8,260Cash and due from depository institutions
$0Interest-bearing balances
$93,017Securities
$1,010Federal funds sold & reverse repurchase agreements
$49,724Net loans & leases
$580Loan loss allowance
$0Trading account assets
$3,814Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,025All other assets
$160,850Total liabilities and capital
$145,942Total liabilities
$141,869Total deposits
$94,601Interest-bearing deposits
$141,869Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$4,073All other liabilities
$14,908Total equity capital
$14,908Total bank equity capital
$14,908Perpetual preferred stock
$0Common stock
$5,345Surplus
$0Undivided profits
Memoranda
$9,563Noncurrent loans and leases
$6,738Noncurrent 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)
$966Average Assets, year-to-date
$143,751Average Assets, quarterly
$51,265Volatile liabilities
$155,516Insider loans
$162,055FHLB advances
$10,397Loans and leases held for sale
$401Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$333Total risk weighted assets
$6,738Total unused commitments
$0Restructured Loans and leases
$600Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$6,794Total interest income
$1,126Total interest expense
$5,668Net interest income
$60Provision for loan and lease losses
$4,293Total noninterest income
$0Fiduciary activities
$979Service charges on deposit accounts
$0Trading account gains & fees
$3,314Additional noninterest income
$6,090Total noninterest expense
$3,295Salaries and employee benefits
$881Premises and equipment expense
$1,914Additional noninterest expense
$3,811Pre-tax net operating income
$433Securities gains (losses)
$1,350Applicable income taxes
$2,894Income before extraordinary items
$0Extraordinary gains - net
$2,894Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$45Sale, conversion, retirement of capital stock, net
$2,606Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.87%Yield on earning assets
0.81%Cost of funding earning assets
4.07%Net interest margin
3.08%Noninterest income to earning assets
4.37%Noninterest expense to earning assets
1.67%Net operating income to assets
1.86%Return on assets (ROA)
2.73%Pretax return on assets
20.33%Return on equity (ROE)
2.02%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
133.33%Credit loss provision to net charge-offs
86.02%Efficiency ratio
61,138Assets per employee
3.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.05%Loss allowance to loans
1.15%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
35.05%Net loans and leases to core deposits
37.82%Equity capital to assets
9.27%Core capital (leverage) ratio
8.74%Tier 1 risk-based capital ratio
17.93%Total risk-based capital ratio
Memoranda
$19Average assets
$155,516Average earning assets
$14,238Average equity
$139,387Average loans
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