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

This bank is inactive as of July 29, 1994

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

  • General
  • FDIC Certificate #: 27484
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Metro Commerce Bank (#32720)
    Federal Reserve ID: 1387025
    Date Established: April 06, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 40101
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 06, 1989
    Last Structure Change Effective Date: July 29, 1994
    Last Structure Change Process Date: August 09, 1994
    Last Data Update: August 09, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1151 A Street, Hayward, CA 94541
    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)
  • Financial Summary
  • Total assets: $16.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $19,234Cash and due from depository institutions
  • $1,110Interest-bearing balances
  • $0Securities
  • $2,254Federal funds sold & reverse repurchase agreements
  • $4,600Net loans & leases
  • $10,572Loan loss allowance
  • $275Trading account assets
  • $0Bank premises and fixed assets
  • $184Other real estate owned
  • $0Goodwill and other intangibles
  • $514Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $19,234Total liabilities
  • $17,445Total deposits
  • $17,387Interest-bearing deposits
  • $11,066Deposits held in domestic offices
  • 17387.00%% insured (estimated)
  • $74Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $58Total equity capital
  • $58Total bank equity capital
  • $1,789Perpetual preferred stock
  • $0Common stock
  • $2,002Surplus
  • $1,991Undivided profits
  • Memoranda
  • $-2,204Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $109Income earned, not collected on loans
  • $71Earning assets
  • $17,426Long-term assets (5+ years)
  • $1,430Average Assets, year-to-date
  • $18,613Average Assets, quarterly
  • $18,466Volatile liabilities
  • $2,113Insider loans
  • $1,281FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,090Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,789Total risk weighted assets
  • $12,005Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,389Total interest expense
  • $436Net interest income
  • $953Provision for loan and lease losses
  • $128Total noninterest income
  • $142Fiduciary activities
  • $0Service charges on deposit accounts
  • $92Trading account gains & fees
  • $0Additional noninterest income
  • $50Total noninterest expense
  • $1,276Salaries and employee benefits
  • $453Premises and equipment expense
  • $288Additional noninterest expense
  • $535Pre-tax net operating income
  • -$309Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • -$309Extraordinary gains - net
  • $0Net income attributable to bank
  • -$309Net charge-offs
  • $91Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.47%Cost of funding earning assets
  • 2.66%Net interest margin
  • 5.81%Noninterest income to earning assets
  • 0.87%Noninterest expense to earning assets
  • 7.78%Net operating income to assets
  • -1.66%Return on assets (ROA)
  • -1.66%Pretax return on assets
  • -1.66%Return on equity (ROE)
  • -15.68%Retained earnings to average equity (YTD only)
  • -15.68%Net charge-offs to loans
  • 0.74%Credit loss provision to net charge-offs
  • 140.66%Efficiency ratio
  • 116,438Assets per employee
  • 1.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 252.29%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 60.80%Net loans and leases to core deposits
  • 69.22%Equity capital to assets
  • 9.30%Core capital (leverage) ratio
  • 9.91%Tier 1 risk-based capital ratio
  • 14.90%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $18,613Average earning assets
  • $1,971Average equity
  • $16,398Average loans

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