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


  • California Bank of Commerce in Lafayette, California (CA)
  • Show street view No street view available for this location

California Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 58583
    Status: Active
    Federal Reserve ID: 3614958
    Date Established: July 17, 2007
    WWW: http://www.californiabankofcommerce.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with California Bank of Commerce.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents