Bank of Lodi, National Association in Lodi, California (CA)



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Bank of Lodi, National Association
GeneralFDIC Certificate #: 24606
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Placer Sierra Bank (#30307)
Federal Reserve ID: 777160
Date Established: July 18, 1983
WWW: http://www.bankoflodi.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)130
Total assets$320,112
Cash and due from depository institutions$17,491
Interest-bearing balances$0
Securities$90,270
Federal funds sold & reverse repurchase agreements$8,034
Net loans & leases$178,525
Loan loss allowance $3,262
Trading account assets$0
Bank premises and fixed assets$6,376
Other real estate owned$0
Goodwill and other intangibles$518
All other assets$18,898
Life insurance assets$0
Total liabilities and capital$320,112
Total liabilities$298,089
Total deposits$280,920
Interest-bearing deposits$230,411
Deposits held in domestic offices$280,920
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $14,100
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $3,069
Total equity capital$22,023
Total bank equity capital$22,023
Perpetual preferred stock$22,023
Common stock$0
Surplus$1,750
Undivided profits $4,323
Memoranda
Noncurrent loans and leases $15,950
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $49,613
Income earned, not collected on loans $0
Earning assets $3,880
Long-term assets (5+ years) $869
Average Assets, year-to-date $1,321
Average Assets, quarterly $276,829
Volatile liabilities $46,294
Insider loans $280,533
FHLB advances $304,633
Loans and leases held for sale $51,404
Unused loan commitments $1,885
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $3,076
Total unused commitments $49,613
Restructured Loans and leases $0
Derivatives$2,896
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Income and Expense (December 31, 2003)
(Dollar figures in thousands)
Total interest income $13,740
Total interest expense $2,589
Net interest income $11,151
Provision for loan and lease losses $312
Total noninterest income $4,035
Fiduciary activities $0
Service charges on deposit accounts $1,609
Trading account gains & fees $0
Additional noninterest income $2,426
Total noninterest expense $12,905
Salaries and employee benefits $7,075
Premises and equipment expense $1,949
Additional noninterest expense $3,881
Pre-tax net operating income $1,969
Securities gains (losses) $396
Applicable income taxes $693
Income before extraordinary items $1,672
Extraordinary gains - net $0
Net income attributable to bank $1,672
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $107
Net operating income $0
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Performance and Condition Ratios (December 31, 2003)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.75%
Cost of funding earning assets 1.08%
Net interest margin 4.67%
Noninterest income to earning assets 1.69%
Noninterest expense to earning assets 5.40%
Net operating income to assets 0.50%
Return on assets (ROA) 0.60%
Pretax return on assets 0.84%
Return on equity (ROE) 7.81%
Retained earnings to average equity (YTD only) 7.81%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 291.59%
Efficiency ratio21.32%
Assets per employee$83,847
Cash dividends to net income (YTD only)2.46%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.79%
Noncurrent assets plus other real estate owned to assets 84.07%
Noncurrent loans to loans 1.21%
Net loans and leases to deposits2.13%
Net loans and leases to core deposits 63.55%
Equity capital to assets 73.28%
Core capital (leverage) ratio 6.88%
Tier 1 risk-based capital ratio 7.96%
Total risk-based capital ratio 9.43%
Memoranda
Average assets$11
Average earning assets$280,533
Average equity $21,400
Average loans $239,018
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