Bank of Alameda in Alameda, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Alameda in Alameda, California (CA)
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Bank of Alameda - Overview

  • General
  • FDIC Certificate #: 34577
    Status: Active
    Federal Reserve ID: 2679839
    Bank Holding Company (Regulatory Top Holder): Norcal Community Bancorp (RSSDID: 3112119, Location: Alameda, CA)
    Date Established: March 23, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 60636
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 23, 1998
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2130 Otis Drive, Alameda, CA 94501
    County: Alameda
    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): Oakland, CA (#5775)
    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 Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $247.8 mil
    Equity capital: $28.8 mil
    Deposits held in domestic offices: $218.4 mil
    Return on assets (ROA): 0.25% ($0.6 mil)
    Quarterly return on assets: 0.56% ($1.4 mil)
    Return on Equity (ROE): 2.19% ($0.6 mil)
    Quarterly return on equity: 4.92% ($1.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.28% ($693.8 mil)
    Quarterly Pretax return on assets: 0.56% ($1,387.6 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, 2011)

  • Dollar figures in thousands
  • 57Total employees (full-time equivalent)
  • $247,794Total assets
  • $17,603Cash and due from depository institutions
  • $15,900Interest-bearing balances
  • $64,136Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $161,036Net loans & leases
  • $4,807Loan loss allowance
  • $0Trading account assets
  • $143Bank premises and fixed assets
  • $1,844Other real estate owned
  • $10Goodwill and other intangibles
  • $247,795Life insurance assets
  • $3,022All other assets
  • $219,037Total liabilities and capital
  • $218,423Total liabilities
  • $153,086Total deposits
  • $218,423Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $614Subordinated debt
  • $28,758All other liabilities
  • $28,758Total equity capital
  • $28,758Total bank equity capital
  • $0Perpetual preferred stock
  • $7,616Common stock
  • $15,825Surplus
  • $5,317Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,647Income earned, not collected on loans
  • $0Earning assets
  • $1,060Long-term assets (5+ years)
  • $241,072Average Assets, year-to-date
  • $95,506Average Assets, quarterly
  • $251,621Volatile liabilities
  • $251,100Insider loans
  • $176,173FHLB advances
  • $252,024Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $28,600Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,787Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,512Total interest income
  • $682Total interest expense
  • $9,830Net interest income
  • $900Provision for loan and lease losses
  • $710Total noninterest income
  • $0Fiduciary activities
  • $390Service charges on deposit accounts
  • $0Trading account gains & fees
  • $320Additional noninterest income
  • $8,934Total noninterest expense
  • $4,682Salaries and employee benefits
  • $1,491Premises and equipment expense
  • $2,761Additional noninterest expense
  • $706Pre-tax net operating income
  • $0Securities gains (losses)
  • $87Applicable income taxes
  • $619Income before extraordinary items
  • $0Extraordinary gains - net
  • $619Net income attributable to bank
  • $0Net charge-offs
  • $619Cash dividends
  • $1,913Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 2.19%Return on equity (ROE)
  • 2.19%Retained earnings to average equity (YTD only)
  • 1.18%Net charge-offs to loans
  • 47.05%Credit loss provision to net charge-offs
  • 0.84%Efficiency ratio
  • 84,763Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.90%Loss allowance to noncurrent loans
  • 62.86%Noncurrent assets plus other real estate owned to assets
  • 3.83%Noncurrent loans to loans
  • 4.61%Net loans and leases to deposits
  • 73.73%Net loans and leases to core deposits
  • 74.68%Equity capital to assets
  • 11.61%Core capital (leverage) ratio
  • 11.35%Tier 1 risk-based capital ratio
  • 16.23%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $251,621Average earning assets
  • $28,283Average equity
  • $242,604Average loans

List of branches

  • 6 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    060636Bank Of Alameda2130 Otis Drive, Alameda, CA 94501March 23, 1998Full Service Brick and Mortar
    1290702Park Street Branch1416 Park Street, Alameda, CA 94501April 19, 1999Full Service Brick and Mortar
    4362900Emeryville Commercial Branch2200 Powell Street, Ste. 105, Emeryville, CA 94608January 22, 2002Full Service Brick and Mortar
    5426809Broadway Branch155 Grand Avenue Suite 100, Oakland, CA 94612March 31, 2004Full Service Brick and Mortar
    6442249Walnut Creek Lpo Branch2125 Oak Grove Road Ste 124, Walnut Creek, CA 94598September 01, 2004Limited Service Administrative
    7453081Administration Branch1701 Harbor Bay Pkwy, Ste 100, Alameda, CA 94502January 20, 2006Limited Service Administrative

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