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

This bank is inactive as of October 13, 2006

  • Bank of Walnut Creek in Walnut Creek, California (CA)
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Bank of Walnut Creek - Overview

  • General
  • FDIC Certificate #: 23273
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Republic Bank (#26665)
    Federal Reserve ID: 18368
    Date Established: December 12, 1980
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 9815
    FDIC's unique #: 16309
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 12, 1980
    Last Structure Change Effective Date: October 13, 2006
    Last Structure Change Process Date: December 05, 2006
    Last Data Update: December 05, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1400 Civic Drive, Walnut Creek, CA 94596
    County: Contra Costa
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Oakland, CA (#5775)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
  • Financial Summary
  • Total assets: $542.5 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, 2005)

  • Dollar figures in thousands
  • 122Total employees (full-time equivalent)
  • $534,096Total assets
  • $16,888Cash and due from depository institutions
  • $143Interest-bearing balances
  • $106,704Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $395,650Net loans & leases
  • $7,493Loan loss allowance
  • $0Trading account assets
  • $3,440Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $11,414All other assets
  • $534,096Total liabilities and capital
  • $486,104Total liabilities
  • $425,276Total deposits
  • $272,336Interest-bearing deposits
  • $425,276Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $56,307Other borrowed funds
  • $0Subordinated debt
  • $3,021All other liabilities
  • $47,992Total equity capital
  • $47,992Total bank equity capital
  • $47,992Perpetual preferred stock
  • $0Common stock
  • $5,299Surplus
  • $0Undivided profits
  • Memoranda
  • $42,693Noncurrent loans and leases
  • $208,286Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $3,372Average Assets, year-to-date
  • $502,497Average Assets, quarterly
  • $61,425Volatile liabilities
  • $517,123Insider loans
  • $534,287FHLB advances
  • $23,827Loans and leases held for sale
  • $0Unused loan commitments
  • $56,307Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $208,286Total unused commitments
  • $0Restructured Loans and leases
  • $5,896Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $34,199Total interest income
  • $7,161Total interest expense
  • $27,038Net interest income
  • $0Provision for loan and lease losses
  • $2,332Total noninterest income
  • $0Fiduciary activities
  • $828Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,504Additional noninterest income
  • $16,407Total noninterest expense
  • $9,743Salaries and employee benefits
  • $2,456Premises and equipment expense
  • $4,208Additional noninterest expense
  • $12,963Pre-tax net operating income
  • $3Securities gains (losses)
  • $5,002Applicable income taxes
  • $7,964Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,964Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $177Sale, conversion, retirement of capital stock, net
  • $2,500Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.03%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 5.56%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 2.51%Pretax return on assets
  • 17.50%Return on equity (ROE)
  • 12.00%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 73.24%Efficiency ratio
  • 55,863Assets per employee
  • 4.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.39%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 93.03%Net loans and leases to core deposits
  • 97.81%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 8.97%Tier 1 risk-based capital ratio
  • 10.34%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $517,123Average earning assets
  • $45,516Average equity
  • $486,655Average loans

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