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


Bank of Sacramento - Overview

  • General
  • FDIC Certificate #: 34713
    Status: Active
    Federal Reserve ID: 2714217
    Bank Holding Company (Regulatory Top Holder): Greater Sacramento Bancorp (RSSDID: 3136825, Location: Sacramento, CA)
    Date Established: July 13, 1998
    WWW: http://www.bankofsacramento.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 61317
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 13, 1998
    Last Structure Change Effective Date: April 19, 2006
    Last Structure Change Process Date: April 19, 2006
    Last Data Update: April 19, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1750 Howe Avenue, Suite 100, Sacramento, CA 95825
    County: Sacramento
    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): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $406.9 mil
    Equity capital: $39.4 mil
    Deposits held in domestic offices: $343.7 mil
    Return on assets (ROA): 0.66% ($2.7 mil)
    Quarterly return on assets: 0.64% ($2.6 mil)
    Return on Equity (ROE): 6.77% ($2.6 mil)
    Quarterly return on equity: 6.74% ($2.6 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.98% ($3,987.3 mil)
    Quarterly Pretax return on assets: 0.89% ($3,621.1 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, 2011)

  • Dollar figures in thousands
  • 63Total employees (full-time equivalent)
  • $406,866Total assets
  • $10,531Cash and due from depository institutions
  • $6,189Interest-bearing balances
  • $148,491Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $223,336Net loans & leases
  • $4,331Loan loss allowance
  • $0Trading account assets
  • $404Bank premises and fixed assets
  • $3,260Other real estate owned
  • $0Goodwill and other intangibles
  • $406,866Life insurance assets
  • $20,844All other assets
  • $367,492Total liabilities and capital
  • $343,672Total liabilities
  • $256,350Total deposits
  • $343,672Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $3,820Subordinated debt
  • $39,374All other liabilities
  • $39,374Total equity capital
  • $39,374Total bank equity capital
  • $0Perpetual preferred stock
  • $20,172Common stock
  • $237Surplus
  • $18,965Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $508Income earned, not collected on loans
  • $0Earning assets
  • $1,682Long-term assets (5+ years)
  • $378,016Average Assets, year-to-date
  • $137,480Average Assets, quarterly
  • $388,916Volatile liabilities
  • $410,033Insider loans
  • $275,892FHLB advances
  • $407,530Loans and leases held for sale
  • $10,183Unused loan commitments
  • $10,183Tier 1 (core) risk-based capital
  • $38,159Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $46,171Restructured Loans and leases
  • $9,192Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,309Total interest income
  • $1,796Total interest expense
  • $14,513Net interest income
  • $1,095Provision for loan and lease losses
  • $444Total noninterest income
  • $0Fiduciary activities
  • $287Service charges on deposit accounts
  • $0Trading account gains & fees
  • $157Additional noninterest income
  • $11,185Total noninterest expense
  • $6,285Salaries and employee benefits
  • $1,424Premises and equipment expense
  • $3,476Additional noninterest expense
  • $2,677Pre-tax net operating income
  • $1,124Securities gains (losses)
  • $1,248Applicable income taxes
  • $2,553Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,553Net income attributable to bank
  • $0Net charge-offs
  • $2,553Cash dividends
  • $1,788Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 6.77%Return on equity (ROE)
  • 6.77%Retained earnings to average equity (YTD only)
  • 0.76%Net charge-offs to loans
  • 61.24%Credit loss provision to net charge-offs
  • 2.11%Efficiency ratio
  • 74,781Assets per employee
  • 6.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 852.56%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 64.99%Net loans and leases to core deposits
  • 97.80%Equity capital to assets
  • 9.68%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 13.83%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $388,916Average earning assets
  • $37,707Average equity
  • $360,368Average loans

List of branches

  • 4 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061317Bank Of Sacramento1750 Howe Avenue, Suite 100, Sacramento, CA 95825July 13, 1998Full Service Brick and Mortar
    1442354Rancho Cordova Bbc Branch2882 Prospect Park Drive, Suite 240, Rancho Cordova, CA 95670March 13, 2005Full Service Brick and Mortar
    2453834Capital Bbc Branch1415 L Street, Suite 100, Sacramento, CA 95814Febuary 13, 2006Full Service Brick and Mortar
    3466352Roseville Office Branch1478 Stone Point Drive, Suite 200, Roseville, CA 95661April 02, 2007Full Service Brick and Mortar

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