Bank of Agriculture and Commerce in Stockton, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Agriculture and Commerce - Overview

  • General
  • FDIC Certificate #: 19434
    Status: Active
    Federal Reserve ID: 5461
    Bank Holding Company (Regulatory Top Holder): Bac Financial Inc. (RSSDID: 3033746, Location: Stockton, CA)
    Date Established: May 21, 1965
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 13236
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 21, 1965
    Last Structure Change Effective Date: Febuary 01, 2009
    Last Structure Change Process Date: August 28, 2009
    Last Data Update: August 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 517 East Weber Avenue, Stockton, CA 95202
    County: San Joaquin
    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): Stockton-Lodi, CA (#8120)
    Core Based Statistical Area (CBSA): Stockton, CA (#44700)
    CBSA Metro Statistical Area: Stockton, CA (#44700)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $469.4 mil
    Equity capital: $47.2 mil
    Deposits held in domestic offices: $403.6 mil
    Return on assets (ROA): 0.37% ($1.7 mil)
    Quarterly return on assets: 0.43% ($2.0 mil)
    Return on Equity (ROE): 3.67% ($1.7 mil)
    Quarterly return on equity: 4.31% ($2.0 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.37% ($1,736.7 mil)
    Quarterly Pretax return on assets: 0.43% ($2,018.4 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, 2011)

  • Dollar figures in thousands
  • 120Total employees (full-time equivalent)
  • $469,390Total assets
  • $34,892Cash and due from depository institutions
  • $17,350Interest-bearing balances
  • $78,647Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $330,170Net loans & leases
  • $4,501Loan loss allowance
  • $0Trading account assets
  • $11,621Bank premises and fixed assets
  • $1,242Other real estate owned
  • $65Goodwill and other intangibles
  • $469,390Life insurance assets
  • $12,753All other assets
  • $422,193Total liabilities and capital
  • $403,631Total liabilities
  • $274,022Total deposits
  • $403,631Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,600Trading liabilities
  • $0Other borrowed funds
  • $2,962Subordinated debt
  • $47,197All other liabilities
  • $47,197Total equity capital
  • $47,197Total bank equity capital
  • $0Perpetual preferred stock
  • $2,059Common stock
  • $4,241Surplus
  • $40,897Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,059Income earned, not collected on loans
  • $11Earning assets
  • $1,842Long-term assets (5+ years)
  • $426,167Average Assets, year-to-date
  • $40,058Average Assets, quarterly
  • $469,986Volatile liabilities
  • $466,409Insider loans
  • $366,222FHLB advances
  • $471,039Loans and leases held for sale
  • $752Unused loan commitments
  • $752Tier 1 (core) risk-based capital
  • $44,799Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,342Restructured Loans and leases
  • $29Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,454Total interest income
  • $1,870Total interest expense
  • $20,584Net interest income
  • $6,239Provision for loan and lease losses
  • $2,427Total noninterest income
  • $0Fiduciary activities
  • $1,296Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,131Additional noninterest income
  • $15,327Total noninterest expense
  • $8,125Salaries and employee benefits
  • $2,907Premises and equipment expense
  • $4,295Additional noninterest expense
  • $1,445Pre-tax net operating income
  • $317Securities gains (losses)
  • $38Applicable income taxes
  • $1,724Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,724Net income attributable to bank
  • $0Net charge-offs
  • $1,724Cash dividends
  • $6,069Sale, conversion, retirement of capital stock, net
  • $1,901Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.79%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 0.30%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.37%Pretax return on assets
  • 3.67%Return on equity (ROE)
  • -0.38%Retained earnings to average equity (YTD only)
  • 1.75%Net charge-offs to loans
  • 102.80%Credit loss provision to net charge-offs
  • 1.27%Efficiency ratio
  • 65,934Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 110.27%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 32.02%Noncurrent assets plus other real estate owned to assets
  • 3.26%Noncurrent loans to loans
  • 4.20%Net loans and leases to deposits
  • 81.80%Net loans and leases to core deposits
  • 89.52%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 9.51%Tier 1 risk-based capital ratio
  • 12.23%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $469,986Average earning assets
  • $46,999Average equity
  • $429,804Average loans

List of branches

  • 10 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013236Bank Of Agriculture And Commerce517 East Weber Avenue, Stockton, CA 95202May 21, 1965Full Service Brick and Mortar
    1248311Brentwood Branch740 First Street, Brentwood, CA 94513June 30, 1967Full Service Brick and Mortar
    2248312North Stockton Branch2021 West March Lane, Stockton, CA 95207September 18, 1978Full Service Brick and Mortar
    3248313Oakley Branch1070 Laurel Road, Oakley, CA 94561December 16, 1986Full Service Brick and Mortar
    4248314Discovery Bay Branch14804 Highway 4, Discovery Bay, CA 94514January 01, 1990Full Service Brick and Mortar
    5248315Modesto Branch2605 Coffee Rd Ste 100, Modesto, CA 95355November 15, 1997Full Service Brick and Mortar
    635930Antioch Branch1411 A Street, Antioch, CA 94509September 15, 1986Full Service Brick and Mortar
    7260144Concord Branch1935 Diamond Blvd, Concord, CA 94520September 03, 1996Full Service Brick and Mortar
    9448816Lodi Office Branch1610 W. Kettleman Lane, Suite C, Lodi, CA 95242November 28, 1989Full Service Brick and Mortar
    10493602Country Club Branch2251 Balfour Rd, Brentwood, CA 94513July 09, 2008Full Service Brick and Mortar

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