Bank of Feather River in Yuba City, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Feather River - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total 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
  • 14Total employees (full-time equivalent)
  • $51,141Total assets
  • $8,875Cash and due from depository institutions
  • $6,867Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,457Net loans & leases
  • $701Loan loss allowance
  • $0Trading account assets
  • $361Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $51,141Life insurance assets
  • $1,448All other assets
  • $43,821Total liabilities and capital
  • $43,724Total liabilities
  • $38,354Total deposits
  • $43,724Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $97Subordinated debt
  • $7,320All other liabilities
  • $7,320Total equity capital
  • $7,320Total bank equity capital
  • $0Perpetual preferred stock
  • $4,000Common stock
  • $4,000Surplus
  • $-680Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $225Income earned, not collected on loans
  • $0Earning assets
  • $563Long-term assets (5+ years)
  • $47,324Average Assets, year-to-date
  • $11,322Average Assets, quarterly
  • $44,432Volatile liabilities
  • $49,592Insider loans
  • $37,272FHLB advances
  • $47,518Loans and leases held for sale
  • $16Unused loan commitments
  • $16Tier 1 (core) risk-based capital
  • $6,927Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,156Restructured Loans and leases
  • $1,615Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,603Total interest income
  • $311Total interest expense
  • $2,292Net interest income
  • $222Provision for loan and lease losses
  • $602Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $511Additional noninterest income
  • $2,255Total noninterest expense
  • $1,107Salaries and employee benefits
  • $341Premises and equipment expense
  • $807Additional noninterest expense
  • $417Pre-tax net operating income
  • $0Securities gains (losses)
  • -$486Applicable income taxes
  • $903Income before extraordinary items
  • $0Extraordinary gains - net
  • $903Net income attributable to bank
  • $0Net charge-offs
  • $903Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.22%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 5.48%Net interest margin
  • 1.44%Noninterest income to earning assets
  • 5.39%Noninterest expense to earning assets
  • 2.03%Net operating income to assets
  • 2.03%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 13.49%Return on equity (ROE)
  • 13.49%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 77,920Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 311.56%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.55%Net loans and leases to deposits
  • 92.53%Net loans and leases to core deposits
  • 123.63%Equity capital to assets
  • 14.31%Core capital (leverage) ratio
  • 14.58%Tier 1 risk-based capital ratio
  • 18.58%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $44,432Average earning assets
  • $6,696Average equity
  • $41,839Average loans

List of branches

  • 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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