American Bank and Trust Company in San Jose, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 18, 1993

  • American Bank and Trust Company in San Jose, California (CA)
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American Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 21560
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Bank of Santa Clara (#21230)
    Federal Reserve ID: 13662
    Date Established: May 01, 1974
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 14914
    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: May 01, 1974
    Last Structure Change Effective Date: June 18, 1993
    Last Structure Change Process Date: June 23, 1993
    Last Data Update: June 23, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 40 South Market Street, San Jose, CA 95113
    County: Santa Clara
    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): San Jose, CA (#7400)
    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): San Jose-Sunnyvale-Santa Clara, CA (#41940)
    CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
  • History of Changes
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $35.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $19Total assets
  • $37,396Cash and due from depository institutions
  • $2,774Interest-bearing balances
  • $0Securities
  • $1,965Federal funds sold & reverse repurchase agreements
  • $2,400Net loans & leases
  • $28,707Loan loss allowance
  • $1,207Trading account assets
  • $0Bank premises and fixed assets
  • $779Other real estate owned
  • $438Goodwill and other intangibles
  • $333Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $37,396Total liabilities
  • $36,382Total deposits
  • $36,178Interest-bearing deposits
  • $31,011Deposits held in domestic offices
  • 36178.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $204Total equity capital
  • $204Total bank equity capital
  • $1,014Perpetual preferred stock
  • $0Common stock
  • $13,188Surplus
  • $253Undivided profits
  • Memoranda
  • $-12,427Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,678Income earned, not collected on loans
  • $214Earning assets
  • $33,072Long-term assets (5+ years)
  • $4,599Average Assets, year-to-date
  • $49,265Average Assets, quarterly
  • $39,607Volatile liabilities
  • $2,427Insider loans
  • $885FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,449Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,014Total risk weighted assets
  • $28,481Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,998Total interest expense
  • $1,836Net interest income
  • $2,162Provision for loan and lease losses
  • $539Total noninterest income
  • $755Fiduciary activities
  • $0Service charges on deposit accounts
  • $116Trading account gains & fees
  • $0Additional noninterest income
  • $639Total noninterest expense
  • $3,038Salaries and employee benefits
  • $1,024Premises and equipment expense
  • $1,086Additional noninterest expense
  • $928Pre-tax net operating income
  • -$660Securities gains (losses)
  • $37Applicable income taxes
  • $1Income before extraordinary items
  • -$624Extraordinary gains - net
  • $0Net income attributable to bank
  • -$624Net charge-offs
  • $81Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.06%Cost of funding earning assets
  • 4.16%Net interest margin
  • 4.90%Noninterest income to earning assets
  • 1.71%Noninterest expense to earning assets
  • 6.89%Net operating income to assets
  • -1.34%Return on assets (ROA)
  • -1.27%Pretax return on assets
  • -1.26%Return on equity (ROE)
  • -40.28%Retained earnings to average equity (YTD only)
  • -40.28%Net charge-offs to loans
  • 0.20%Credit loss provision to net charge-offs
  • 665.43%Efficiency ratio
  • 104,148Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.03%Loss allowance to noncurrent loans
  • 45.07%Noncurrent assets plus other real estate owned to assets
  • 8.33%Noncurrent loans to loans
  • 8.95%Net loans and leases to deposits
  • 79.35%Net loans and leases to core deposits
  • 85.06%Equity capital to assets
  • 2.71%Core capital (leverage) ratio
  • 2.57%Tier 1 risk-based capital ratio
  • 3.56%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $49,265Average earning assets
  • $1,549Average equity
  • $44,115Average loans

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