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

Bank of Stockton - Overview

  • General
  • FDIC Certificate #: 1536
    Status: Active
    Federal Reserve ID: 479268
    Bank Holding Company (Regulatory Top Holder): 1867 Western Financial Corporation (RSSDID: 1399765, Location: Stockton, CA)
    Date Established: August 12, 1867
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Domestic: 16, Interstate: No)
    OTS Docket #: 16038
    FDIC's unique #: 1012
    Numeric code: 21
    Regulator: FDIC
    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: January 01, 1934
    Last Structure Change Effective Date: April 08, 2010
    Last Structure Change Process Date: April 08, 2010
    Last Data Update: April 08, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 East Miner Avenue, Stockton, CA 95202
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $2,047.8 mil
    Equity capital: $238.7 mil
    Deposits held in domestic offices: $1,722.4 mil
    Return on assets (ROA): 0.70% ($14.3 mil)
    Quarterly return on assets: 0.80% ($16.4 mil)
    Return on Equity (ROE): 6.11% ($14.6 mil)
    Quarterly return on equity: 6.92% ($16.5 mil)
    Net income: $13.7 mil
    Quarterly Net income: $4.0 mil
    Pretax return on assets: 0.92% ($18,839.4 mil)
    Quarterly Pretax return on assets: 1.13% ($23,139.8 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
  • 354Total employees (full-time equivalent)
  • $2,047,766Total assets
  • $132,340Cash and due from depository institutions
  • $60,530Interest-bearing balances
  • $746,910Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $977,522Net loans & leases
  • $31,175Loan loss allowance
  • $0Trading account assets
  • $37,797Bank premises and fixed assets
  • $4,213Other real estate owned
  • $36,437Goodwill and other intangibles
  • $2,047,766Life insurance assets
  • $112,547All other assets
  • $1,809,086Total liabilities and capital
  • $1,722,359Total liabilities
  • $1,245,464Total deposits
  • $1,722,359Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 2882.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,395Trading liabilities
  • $0Other borrowed funds
  • $77,450Subordinated debt
  • $238,680All other liabilities
  • $238,680Total equity capital
  • $238,680Total bank equity capital
  • $0Perpetual preferred stock
  • $1,454Common stock
  • $89,000Surplus
  • $148,226Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $35,231Income earned, not collected on loans
  • $0Earning assets
  • $7,344Long-term assets (5+ years)
  • $1,784,962Average Assets, year-to-date
  • $469,344Average Assets, quarterly
  • $1,948,287Volatile liabilities
  • $2,006,391Insider loans
  • $1,481,157FHLB advances
  • $1,914,631Loans and leases held for sale
  • $44,068Unused loan commitments
  • $10,810Tier 1 (core) risk-based capital
  • $181,448Tier 2 risk-based capital
  • $33,258Total risk weighted assets
  • $0Total unused commitments
  • $364,332Restructured Loans and leases
  • $3,817Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $80,789Total interest income
  • $4,448Total interest expense
  • $76,341Net interest income
  • $19,050Provision for loan and lease losses
  • $16,466Total noninterest income
  • $3,433Fiduciary activities
  • $4,034Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,999Additional noninterest income
  • $58,136Total noninterest expense
  • $33,037Salaries and employee benefits
  • $6,610Premises and equipment expense
  • $18,489Additional noninterest expense
  • $15,621Pre-tax net operating income
  • $2,274Securities gains (losses)
  • $4,225Applicable income taxes
  • $13,670Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,670Net income attributable to bank
  • $0Net charge-offs
  • $13,670Cash dividends
  • $16,980Sale, conversion, retirement of capital stock, net
  • $2,980Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.26%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 6.11%Return on equity (ROE)
  • 4.78%Retained earnings to average equity (YTD only)
  • 1.59%Net charge-offs to loans
  • 112.19%Credit loss provision to net charge-offs
  • 2.04%Efficiency ratio
  • 62,434Assets per employee
  • 5.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.80%Loss allowance to loans
  • 3.09%Loss allowance to noncurrent loans
  • 88.49%Noncurrent assets plus other real estate owned to assets
  • 1.93%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 56.75%Net loans and leases to core deposits
  • 60.71%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 12.25%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,948,287Average earning assets
  • $223,657Average equity
  • $1,716,825Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $502,124Managed Assets
  • 1Number of Accounts
  • $351,521Personal trust and agency accounts
  • $163,200Employee benefit-defined contribution accounts
  • $5,390Employee benefit-defined benefit accounts
  • $1,625Other retirement accounts
  • $18,383Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $143,151Other fiduciary accounts
  • $19,772Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 618Number of Accounts
  • $0Personal trust and agency accounts
  • $18,383Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $150,603Other retirement accounts
  • $61,866Corporate trust and agency accounts
  • $9,315Other fiduciary accounts
  • $2,647Fiduciary accounts held in foreign offices

List of branches

  • 16 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01012Bank Of Stockton301 East Miner Avenue, Stockton, CA 95202August 12, 1867Full Service Brick and Mortar
    2189741Carson Oaks BranchBenjamin Holt Drive And Pacific Avenue, Stockton, CA 95207March 16, 1970Full Service Brick and Mortar
    313203Lodi Branch120 West Walnut Street, Lodi, CA 95240April 01, 1965Full Service Brick and Mortar
    4248129Tracy Branch1175 Mckinley Avenue, Tracy, CA 95376November 06, 1967Full Service Brick and Mortar
    5248130Manteca Branch660 North Main Street, Manteca, CA 95336March 05, 1971Full Service Brick and Mortar
    7248132Pine Grove BranchHighway 88/Volcano Road, Pine Grove, CA 95665December 12, 1978Full Service Brick and Mortar
    10189742Quail Lakes Delta Branch4515 Quail Lakes Drive, Stockton, CA 95207September 18, 1989Full Service Brick and Mortar
    11197497Angels Camp Branch229 South Main Street, Angels Camp, CA 95222October 17, 1904Full Service Brick and Mortar
    12198116Rio Vista Branch230 Main Street, Rio Vista, CA 94571November 02, 1936Full Service Brick and Mortar
    13198117Ripon Branch234 West Main Street, Ripon, CA 95366December 24, 1934Full Service Brick and Mortar
    14419182Oakdale Branch346 East 'f' Street, Oakdale, CA 95361Febuary 10, 2003Full Service Brick and Mortar
    1561028Modesto Branch1302 J Street, Modesto, CA 95354March 09, 1998Full Service Brick and Mortar
    16290767Dale Road Branch4204 Dale Road, Modesto, CA 95354June 07, 1999Full Service Brick and Mortar
    18363228Golden State Branch134 S. Golden State Blvd., Turlock, CA 95380March 18, 2002Full Service Brick and Mortar
    19457101Elk Grove Commerce Bank, A Division Of Bank Of Stockton8150 Laguna Boulevard, Elk Grove, CA 95758December 11, 2006Full Service Brick and Mortar
    9614284156Washington And Church242 South Washington Street, Sonora, CA 95370January 01, 1912Full Service Brick and Mortar

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