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

  • California Bank of Commerce in Lafayette, California (CA)
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California Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 58583
    Status: Active
    Federal Reserve ID: 3614958
    Date Established: July 17, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 457324
    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: July 17, 2007
    Last Structure Change Effective Date: May 30, 2008
    Last Structure Change Process Date: May 30, 2008
    Last Data Update: May 30, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3595 Mt. Diablo Blvd., 2nd Floor, Lafayette, CA 94549
    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: $298.4 mil
    Equity capital: $34.6 mil
    Deposits held in domestic offices: $243.9 mil
    Return on assets (ROA): 0.30% ($0.9 mil)
    Quarterly return on assets: 0.44% ($1.3 mil)
    Return on Equity (ROE): 2.64% ($0.9 mil)
    Quarterly return on equity: 3.69% ($1.3 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.57% ($1,700.8 mil)
    Quarterly Pretax return on assets: 0.77% ($2,297.6 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
  • 39Total employees (full-time equivalent)
  • $298,393Total assets
  • $46,962Cash and due from depository institutions
  • $43,869Interest-bearing balances
  • $36,350Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $203,944Net loans & leases
  • $4,175Loan loss allowance
  • $0Trading account assets
  • $320Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $298,393Life insurance assets
  • $10,817All other assets
  • $263,751Total liabilities and capital
  • $243,903Total liabilities
  • $188,494Total deposits
  • $243,903Interest-bearing deposits
  • $53Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,000Trading liabilities
  • $0Other borrowed funds
  • $1,848Subordinated debt
  • $34,642All other liabilities
  • $34,642Total equity capital
  • $34,642Total bank equity capital
  • $10,949Perpetual preferred stock
  • $30,056Common stock
  • $0Surplus
  • $-6,363Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $372Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $987Income earned, not collected on loans
  • $0Earning assets
  • $980Long-term assets (5+ years)
  • $284,163Average Assets, year-to-date
  • $115,871Average Assets, quarterly
  • $260,318Volatile liabilities
  • $287,354Insider loans
  • $236,744FHLB advances
  • $289,795Loans and leases held for sale
  • $4,939Unused loan commitments
  • $1,010Tier 1 (core) risk-based capital
  • $33,119Tier 2 risk-based capital
  • $1,269Total risk weighted assets
  • $2,660Total unused commitments
  • $73,746Restructured Loans and leases
  • $3,352Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,689Total interest income
  • $1,555Total interest expense
  • $9,134Net interest income
  • $1,154Provision for loan and lease losses
  • $710Total noninterest income
  • $0Fiduciary activities
  • $234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $476Additional noninterest income
  • $7,338Total noninterest expense
  • $4,598Salaries and employee benefits
  • $634Premises and equipment expense
  • $2,106Additional noninterest expense
  • $1,352Pre-tax net operating income
  • $124Securities gains (losses)
  • $683Applicable income taxes
  • $793Income before extraordinary items
  • $0Extraordinary gains - net
  • $793Net income attributable to bank
  • $0Net charge-offs
  • $793Cash dividends
  • $1,480Sale, conversion, retirement of capital stock, net
  • $160Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 2.64%Return on equity (ROE)
  • 2.10%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 77.97%Credit loss provision to net charge-offs
  • 1.69%Efficiency ratio
  • 74,543Assets per employee
  • 7.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.18%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 423.00%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 83.62%Net loans and leases to core deposits
  • 100.06%Equity capital to assets
  • 11.61%Core capital (leverage) ratio
  • 11.43%Tier 1 risk-based capital ratio
  • 13.99%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $260,318Average earning assets
  • $30,087Average equity
  • $247,538Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457324California Bank Of Commerce3595 Mt. Diablo Blvd., 2nd Floor, Lafayette, CA 94549July 17, 2007Full Service Brick and Mortar

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