AltaPacific Bank in Santa Rosa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • AltaPacific Bank in Santa Rosa, California (CA)
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AltaPacific Bank - Overview

  • General
  • FDIC Certificate #: 58275
    Status: Active
    Federal Reserve ID: 3453737
    Bank Holding Company (Regulatory Top Holder): Altapacific Bancorp (RSSDID: 4152505, Location: Santa Rosa, CA)
    Date Established: July 10, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 2, Interstate: No)
    FDIC's unique #: 445221
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 10, 2006
    Last Structure Change Effective Date: Febuary 18, 2012
    Last Structure Change Process Date: Febuary 28, 2012
    Last Data Update: Febuary 28, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3725 Westwind Blvd, Suite 100, Santa Rosa, CA 95403
    County: Sonoma
    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): Santa Rosa, CA (#7500)
    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): Santa Rosa-Petaluma, CA (#42220)
    CBSA Metro Statistical Area: Santa Rosa-Petaluma, CA (#42220)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $115.2 mil
    Equity capital: $26.1 mil
    Deposits held in domestic offices: $76.6 mil
    Return on assets (ROA): 0.32% ($0.4 mil)
    Quarterly return on assets: 0.19% ($0.2 mil)
    Return on Equity (ROE): 1.15% ($0.3 mil)
    Quarterly return on equity: 0.83% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.69% ($795.0 mil)
    Quarterly Pretax return on assets: 0.71% ($818.1 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
  • 22Total employees (full-time equivalent)
  • $115,224Total assets
  • $4,309Cash and due from depository institutions
  • $249Interest-bearing balances
  • $41,548Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,574Net loans & leases
  • $1,300Loan loss allowance
  • $0Trading account assets
  • $739Bank premises and fixed assets
  • $766Other real estate owned
  • $0Goodwill and other intangibles
  • $115,224Life insurance assets
  • $9,288All other assets
  • $89,161Total liabilities and capital
  • $76,577Total liabilities
  • $57,617Total deposits
  • $76,577Interest-bearing deposits
  • $63Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,000Trading liabilities
  • $0Other borrowed funds
  • $584Subordinated debt
  • $26,063All other liabilities
  • $26,063Total equity capital
  • $26,063Total bank equity capital
  • $0Perpetual preferred stock
  • $28,910Common stock
  • $1,640Surplus
  • $-4,487Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $562Long-term assets (5+ years)
  • $100,371Average Assets, year-to-date
  • $24,662Average Assets, quarterly
  • $96,886Volatile liabilities
  • $114,231Insider loans
  • $96,823FHLB advances
  • $116,293Loans and leases held for sale
  • $5,051Unused loan commitments
  • $5,051Tier 1 (core) risk-based capital
  • $27,272Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,634Restructured Loans and leases
  • $1,680Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,668Total interest income
  • $517Total interest expense
  • $5,151Net interest income
  • -$123Provision for loan and lease losses
  • $73Total noninterest income
  • $0Fiduciary activities
  • $2Service charges on deposit accounts
  • $0Trading account gains & fees
  • $71Additional noninterest income
  • $4,556Total noninterest expense
  • $2,726Salaries and employee benefits
  • $531Premises and equipment expense
  • $1,299Additional noninterest expense
  • $791Pre-tax net operating income
  • -$120Securities gains (losses)
  • $364Applicable income taxes
  • $307Income before extraordinary items
  • $0Extraordinary gains - net
  • $307Net income attributable to bank
  • $0Net charge-offs
  • $307Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.47%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 5.88%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 5.20%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 1.15%Return on equity (ROE)
  • 1.15%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
  • 87,213Assets per employee
  • 5.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 76.49%Net loans and leases to core deposits
  • 78.91%Equity capital to assets
  • 22.62%Core capital (leverage) ratio
  • 23.45%Tier 1 risk-based capital ratio
  • 28.17%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $96,886Average earning assets
  • $26,738Average equity
  • $87,593Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0445221Altapacific Bank3725 Westwind Blvd, Suite 100, Santa Rosa, CA 95403July 10, 2006Full Service Brick and Mortar
    1521532Inland Empire Branch9373 Haven Avenue, Rancho Cucamonga, CA 91730May 27, 2011Full Service Brick and Mortar
    2445432Covina Branch100 North Azusa Avenue, Covina, CA 91722April 09, 2007Full Service Brick and Mortar

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