Bank of Stockton in Stockton, California (CA)



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Bank of Stockton
GeneralFDIC 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
WWW: http://www.bankofstockton.com
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)354
Total assets$2,047,766
Cash and due from depository institutions$132,340
Interest-bearing balances$60,530
Securities$746,910
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$977,522
Loan loss allowance $31,175
Trading account assets$0
Bank premises and fixed assets$37,797
Other real estate owned$4,213
Goodwill and other intangibles$36,437
All other assets$112,547
Life insurance assets$2,047,766
Total liabilities and capital$1,809,086
Total liabilities$1,722,359
Total deposits$1,245,464
Interest-bearing deposits$1,722,359
Deposits held in domestic offices$70
% insured (estimated)2882.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,395
Other borrowed funds $0
Subordinated debt $77,450
All other liabilities $238,680
Total equity capital$238,680
Total bank equity capital$238,680
Perpetual preferred stock$0
Common stock$1,454
Surplus$89,000
Undivided profits $148,226
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $35,231
Earning assets $0
Long-term assets (5+ years) $7,344
Average Assets, year-to-date $1,784,962
Average Assets, quarterly $469,344
Volatile liabilities $1,948,287
Insider loans $2,006,391
FHLB advances $1,481,157
Loans and leases held for sale $1,914,631
Unused loan commitments $44,068
Tier 1 (core) risk-based capital $10,810
Tier 2 risk-based capital $181,448
Total risk weighted assets $33,258
Total unused commitments $0
Restructured Loans and leases $364,332
Derivatives$3,817
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $80,789
Total interest expense $4,448
Net interest income $76,341
Provision for loan and lease losses $19,050
Total noninterest income $16,466
Fiduciary activities $3,433
Service charges on deposit accounts $4,034
Trading account gains & fees $0
Additional noninterest income $8,999
Total noninterest expense $58,136
Salaries and employee benefits $33,037
Premises and equipment expense $6,610
Additional noninterest expense $18,489
Pre-tax net operating income $15,621
Securities gains (losses) $2,274
Applicable income taxes $4,225
Income before extraordinary items $13,670
Extraordinary gains - net $0
Net income attributable to bank $13,670
Net charge-offs $0
Cash dividends $13,670
Sale, conversion, retirement of capital stock, net $16,980
Net operating income $2,980
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.71%
Cost of funding earning assets 0.26%
Net interest margin 4.45%
Noninterest income to earning assets 0.96%
Noninterest expense to earning assets 3.39%
Net operating income to assets 0.61%
Return on assets (ROA) 0.70%
Pretax return on assets 0.92%
Return on equity (ROE) 6.11%
Retained earnings to average equity (YTD only) 4.78%
Net charge-offs to loans 1.59%
Credit loss provision to net charge-offs 112.19%
Efficiency ratio2.04%
Assets per employee$62,434
Cash dividends to net income (YTD only)5.78%
Condition Ratios (%)
Loss allowance to loans 21.80%
Loss allowance to noncurrent loans 3.09%
Noncurrent assets plus other real estate owned to assets 88.49%
Noncurrent loans to loans 1.93%
Net loans and leases to deposits3.49%
Net loans and leases to core deposits 56.75%
Equity capital to assets 60.71%
Core capital (leverage) ratio 11.66%
Tier 1 risk-based capital ratio 9.48%
Total risk-based capital ratio 12.25%
Memoranda
Average assets$15
Average earning assets$1,948,287
Average equity $223,657
Average loans $1,716,825
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$502,124
Number of Accounts1
Personal trust and agency accounts$351,521
Employee benefit-defined contribution accounts$163,200
Employee benefit-defined benefit accounts$5,390
Other retirement accounts$1,625
Corporate trust and agency accounts$18,383
Investment management agency accounts$0
Other fiduciary accounts$143,151
Fiduciary accounts held in foreign offices$19,772
Non-managed Assets$0
Number of Accounts618
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$18,383
Employee benefit-defined benefit accounts$0
Other retirement accounts$150,603
Corporate trust and agency accounts$61,866
Other fiduciary accounts$9,315
Fiduciary accounts held in foreign offices$2,647
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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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