Auburn Community Bank in Auburn, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 03, 2006

  • Auburn Community Bank in Auburn, California (CA)
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Auburn Community Bank - Overview

  • General
  • FDIC Certificate #: 34557
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Umpqua Bank (#17266)
    Federal Reserve ID: 2651675
    Date Established: Febuary 02, 1998
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 59065
    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: Febuary 02, 1998
    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: 500 Auburn Folson Road, Auburn, CA 95603
    County: Placer
    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: $135.6 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
  • 27Total employees (full-time equivalent)
  • $137,227Total assets
  • $3,535Cash and due from depository institutions
  • $199Interest-bearing balances
  • $0Securities
  • $760Federal funds sold & reverse repurchase agreements
  • $111,023Net loans & leases
  • $1,625Loan loss allowance
  • $0Trading account assets
  • $760Bank premises and fixed assets
  • $0Other real estate owned
  • $15,823Goodwill and other intangibles
  • $0Life insurance assets
  • $5,326All other assets
  • $137,227Total liabilities and capital
  • $109,469Total liabilities
  • $94,266Total deposits
  • $74,059Interest-bearing deposits
  • $94,266Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13,000Other borrowed funds
  • $0Subordinated debt
  • $2,203All other liabilities
  • $27,758Total equity capital
  • $27,758Total bank equity capital
  • $27,758Perpetual preferred stock
  • $0Common stock
  • $24,684Surplus
  • $1,000Undivided profits
  • Memoranda
  • $2,074Noncurrent loans and leases
  • $37,531Noncurrent 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)
  • $436Average Assets, year-to-date
  • $111,982Average Assets, quarterly
  • $2,232Volatile liabilities
  • $134,955Insider loans
  • $135,157FHLB advances
  • $28,657Loans and leases held for sale
  • $3,251Unused loan commitments
  • $13,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $37,531Total unused commitments
  • $0Restructured Loans and leases
  • $1,478Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $8,305Total interest income
  • $1,919Total interest expense
  • $6,386Net interest income
  • $345Provision for loan and lease losses
  • $840Total noninterest income
  • $0Fiduciary activities
  • $458Service charges on deposit accounts
  • $0Trading account gains & fees
  • $382Additional noninterest income
  • $3,348Total noninterest expense
  • $1,571Salaries and employee benefits
  • $455Premises and equipment expense
  • $1,322Additional noninterest expense
  • $3,533Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,459Applicable income taxes
  • $2,074Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,074Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.54%Yield on earning assets
  • 1.74%Cost of funding earning assets
  • 5.80%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 2.62%Pretax return on assets
  • 7.83%Return on equity (ROE)
  • 7.83%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 2464.29%Credit loss provision to net charge-offs
  • 277.00%Efficiency ratio
  • 43,800Assets per employee
  • 5.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.44%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
  • 117.78%Net loans and leases to core deposits
  • 149.81%Equity capital to assets
  • 20.23%Core capital (leverage) ratio
  • 10.46%Tier 1 risk-based capital ratio
  • 10.56%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $134,955Average earning assets
  • $26,482Average equity
  • $110,118Average loans

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