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

This bank is inactive as of August 26, 1995

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

  • General
  • FDIC Certificate #: 23733
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community First National Bank (#3492)
    Federal Reserve ID: 192969
    Date Established: March 15, 1982
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 16589
    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: March 15, 1982
    Last Structure Change Effective Date: August 26, 1995
    Last Structure Change Process Date: September 19, 1995
    Last Data Update: September 19, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 2125 Second Avenue, Livermore, CA 94550
    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: $71.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $30Total assets
  • $71,041Cash and due from depository institutions
  • $3,386Interest-bearing balances
  • $0Securities
  • $28,565Federal funds sold & reverse repurchase agreements
  • $1,381Net loans & leases
  • $34,995Loan loss allowance
  • $1,270Trading account assets
  • $0Bank premises and fixed assets
  • $670Other real estate owned
  • $724Goodwill and other intangibles
  • $1,261Life insurance assets
  • $59All other assets
  • $0Total liabilities and capital
  • $71,041Total liabilities
  • $64,498Total deposits
  • $64,383Interest-bearing deposits
  • $55,062Deposits held in domestic offices
  • 64383.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $115Total equity capital
  • $115Total bank equity capital
  • $6,543Perpetual preferred stock
  • $0Common stock
  • $3,102Surplus
  • $0Undivided profits
  • Memoranda
  • $3,441Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,330Income earned, not collected on loans
  • $245Earning assets
  • $64,941Long-term assets (5+ years)
  • $3,638Average Assets, year-to-date
  • $74,652Average Assets, quarterly
  • $72,306Volatile liabilities
  • $4,053Insider loans
  • $952FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,610Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,480Total risk weighted assets
  • $40,761Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,107Total interest expense
  • $1,750Net interest income
  • $3,357Provision for loan and lease losses
  • $583Total noninterest income
  • $470Fiduciary activities
  • $0Service charges on deposit accounts
  • $385Trading account gains & fees
  • $0Additional noninterest income
  • $85Total noninterest expense
  • $3,486Salaries and employee benefits
  • $1,447Premises and equipment expense
  • $380Additional noninterest expense
  • $1,659Pre-tax net operating income
  • -$242Securities gains (losses)
  • $21Applicable income taxes
  • -$102Income before extraordinary items
  • -$119Extraordinary gains - net
  • $0Net income attributable to bank
  • -$119Net charge-offs
  • $113Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.58%Cost of funding earning assets
  • 2.60%Net interest margin
  • 4.98%Noninterest income to earning assets
  • 0.70%Noninterest expense to earning assets
  • 5.17%Net operating income to assets
  • -0.18%Return on assets (ROA)
  • -0.16%Pretax return on assets
  • -0.30%Return on equity (ROE)
  • -1.80%Retained earnings to average equity (YTD only)
  • -1.80%Net charge-offs to loans
  • 0.30%Credit loss provision to net charge-offs
  • 515.93%Efficiency ratio
  • 90,776Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.50%Loss allowance to noncurrent loans
  • 54.51%Noncurrent assets plus other real estate owned to assets
  • 4.30%Noncurrent loans to loans
  • 6.42%Net loans and leases to deposits
  • 54.35%Net loans and leases to core deposits
  • 58.01%Equity capital to assets
  • 9.21%Core capital (leverage) ratio
  • 8.95%Tier 1 risk-based capital ratio
  • 15.90%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $74,652Average earning assets
  • $6,615Average equity
  • $67,399Average loans

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