Bank of Lodi, National Association in Lodi, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 11, 2004

  • Bank of Lodi, National Association in Lodi, California (CA)
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Bank of Lodi, National Association - Overview

  • General
  • FDIC Certificate #: 24606
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Placer Sierra Bank (#30307)
    Federal Reserve ID: 777160
    Date Established: July 18, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    FDIC's unique #: 17090
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: July 18, 1983
    Last Structure Change Effective Date: December 11, 2004
    Last Structure Change Process Date: December 20, 2004
    Last Data Update: December 20, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 701 South Ham Lane, Lodi, CA 95242
    County: San Joaquin
    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): Stockton-Lodi, CA (#8120)
    Core Based Statistical Area (CBSA): Stockton, CA (#44700)
    CBSA Metro Statistical Area: Stockton, CA (#44700)
  • Financial Summary
  • Total assets: $331.5 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, 2003)

  • Dollar figures in thousands
  • 130Total employees (full-time equivalent)
  • $320,112Total assets
  • $17,491Cash and due from depository institutions
  • $0Interest-bearing balances
  • $90,270Securities
  • $8,034Federal funds sold & reverse repurchase agreements
  • $178,525Net loans & leases
  • $3,262Loan loss allowance
  • $0Trading account assets
  • $6,376Bank premises and fixed assets
  • $0Other real estate owned
  • $518Goodwill and other intangibles
  • $0Life insurance assets
  • $18,898All other assets
  • $320,112Total liabilities and capital
  • $298,089Total liabilities
  • $280,920Total deposits
  • $230,411Interest-bearing deposits
  • $280,920Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $14,100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $3,069All other liabilities
  • $22,023Total equity capital
  • $22,023Total bank equity capital
  • $22,023Perpetual preferred stock
  • $0Common stock
  • $1,750Surplus
  • $4,323Undivided profits
  • Memoranda
  • $15,950Noncurrent loans and leases
  • $49,613Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,880Earning assets
  • $869Long-term assets (5+ years)
  • $1,321Average Assets, year-to-date
  • $276,829Average Assets, quarterly
  • $46,294Volatile liabilities
  • $280,533Insider loans
  • $304,633FHLB advances
  • $51,404Loans and leases held for sale
  • $1,885Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,076Total risk weighted assets
  • $49,613Total unused commitments
  • $0Restructured Loans and leases
  • $2,896Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $13,740Total interest income
  • $2,589Total interest expense
  • $11,151Net interest income
  • $312Provision for loan and lease losses
  • $4,035Total noninterest income
  • $0Fiduciary activities
  • $1,609Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,426Additional noninterest income
  • $12,905Total noninterest expense
  • $7,075Salaries and employee benefits
  • $1,949Premises and equipment expense
  • $3,881Additional noninterest expense
  • $1,969Pre-tax net operating income
  • $396Securities gains (losses)
  • $693Applicable income taxes
  • $1,672Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,672Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $107Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.75%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 4.67%Net interest margin
  • 1.69%Noninterest income to earning assets
  • 5.40%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 7.81%Return on equity (ROE)
  • 7.81%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 291.59%Credit loss provision to net charge-offs
  • 21.32%Efficiency ratio
  • 83,847Assets per employee
  • 2.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 84.07%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 2.13%Net loans and leases to deposits
  • 63.55%Net loans and leases to core deposits
  • 73.28%Equity capital to assets
  • 6.88%Core capital (leverage) ratio
  • 7.96%Tier 1 risk-based capital ratio
  • 9.43%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $280,533Average earning assets
  • $21,400Average equity
  • $239,018Average loans

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