Bank of Feather River in Yuba City, California (CA)



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Bank of Feather River routing number info

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Bank of Feather River
GeneralFDIC Certificate #: 58630
Status: Active
Federal Reserve ID: 3620539
Date Established: November 06, 2007
WWW: http://www.bankoffeatherriver.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 460070
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: November 06, 2007
Last Structure Change Effective Date: June 08, 2009
Last Structure Change Process Date: June 11, 2009
Last Data Update: June 11, 2009
Data Source Date: April 05, 2012
LocationAddress: 855 Harter Parkway, Suite 100, Yuba City, CA 95991
County: Sutter
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): Yuba City, CA (#9340)
Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
Core Based Statistical Area (CBSA): Yuba City, CA (#49700)
CBSA Metro Statistical Area: Yuba City, CA (#49700)
History of ChangesCorrections
Change in Location
Financial SummaryTotal assets: $51.1 mil
Equity capital: $7.3 mil
Deposits held in domestic offices: $43.7 mil
Return on assets (ROA): 2.03% ($1.0 mil)
Quarterly return on assets: 4.57% ($2.3 mil)
Return on Equity (ROE): 13.49% ($0.9 mil)
Quarterly return on equity: 32.23% ($2.3 mil)
Net income: $0.9 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 0.94% ($480.7 mil)
Quarterly Pretax return on assets: 0.19% ($97.2 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)
Total employees (full-time equivalent)14
Total assets$51,141
Cash and due from depository institutions$8,875
Interest-bearing balances$6,867
Securities$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$40,457
Loan loss allowance $701
Trading account assets$0
Bank premises and fixed assets$361
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,448
Life insurance assets$51,141
Total liabilities and capital$43,821
Total liabilities$43,724
Total deposits$38,354
Interest-bearing deposits$43,724
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $97
All other liabilities $7,320
Total equity capital$7,320
Total bank equity capital$7,320
Perpetual preferred stock$0
Common stock$4,000
Surplus$4,000
Undivided profits $-680
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $225
Earning assets $0
Long-term assets (5+ years) $563
Average Assets, year-to-date $47,324
Average Assets, quarterly $11,322
Volatile liabilities $44,432
Insider loans $49,592
FHLB advances $37,272
Loans and leases held for sale $47,518
Unused loan commitments $16
Tier 1 (core) risk-based capital $16
Tier 2 risk-based capital $6,927
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,156
Derivatives$1,615
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,603
Total interest expense $311
Net interest income $2,292
Provision for loan and lease losses $222
Total noninterest income $602
Fiduciary activities $0
Service charges on deposit accounts $91
Trading account gains & fees $0
Additional noninterest income $511
Total noninterest expense $2,255
Salaries and employee benefits $1,107
Premises and equipment expense $341
Additional noninterest expense $807
Pre-tax net operating income $417
Securities gains (losses) $0
Applicable income taxes -$486
Income before extraordinary items $903
Extraordinary gains - net $0
Net income attributable to bank $903
Net charge-offs $0
Cash dividends $903
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.22%
Cost of funding earning assets 0.74%
Net interest margin 5.48%
Noninterest income to earning assets 1.44%
Noninterest expense to earning assets 5.39%
Net operating income to assets 2.03%
Return on assets (ROA) 2.03%
Pretax return on assets 0.94%
Return on equity (ROE) 13.49%
Retained earnings to average equity (YTD only) 13.49%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$77,920
Cash dividends to net income (YTD only)3.65%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.70%
Noncurrent assets plus other real estate owned to assets 311.56%
Noncurrent loans to loans 0.44%
Net loans and leases to deposits0.55%
Net loans and leases to core deposits 92.53%
Equity capital to assets 123.63%
Core capital (leverage) ratio 14.31%
Tier 1 risk-based capital ratio 14.58%
Total risk-based capital ratio 18.58%
Memoranda
Average assets$20
Average earning assets$44,432
Average equity $6,696
Average loans $41,839
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2 California Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0460070Bank Of Feather River855 Harter Parkway, Suite 100, Yuba City, CA 95991November 06, 2007Full Service Brick and Mortar
1478577Bank Of Feather River Branch855 Harter Parkway Suite 100, Yuba City, CA 95993November 06, 2007Full Service Brick and Mortar
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