Central California Bank in Sonora, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 03, 2006

  • Central California Bank in Sonora, California (CA)
  • Show street view No street view available for this location

Central California Bank - Overview

  • General
  • FDIC Certificate #: 57372
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Umpqua Bank (#17266)
    Federal Reserve ID: 2688895
    Date Established: April 01, 2002
    WWW: http://www.centralcaliforniabank.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 17 (Interstate: No)
    FDIC's unique #: 362708
    Numeric code: 13
    Regulator: FED
    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: April 01, 2002
    Last Structure Change Effective Date: June 03, 2006
    Last Structure Change Process Date: June 08, 2006
    Last Data Update: June 08, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 13775-C Mono Way, Sonora, CA 95370
    County: Tuolumne
    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
    Core Based Statistical Area (CBSA): Phoenix Lake-Cedar Ridge, CA (#38020)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $460.9 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
  • 111Total employees (full-time equivalent)
  • $432,968Total assets
  • $15,163Cash and due from depository institutions
  • $108Interest-bearing balances
  • $33,393Securities
  • $3,580Federal funds sold & reverse repurchase agreements
  • $345,640Net loans & leases
  • $4,706Loan loss allowance
  • $0Trading account assets
  • $3,090Bank premises and fixed assets
  • $0Other real estate owned
  • $17,312Goodwill and other intangibles
  • $0Life insurance assets
  • $14,790All other assets
  • $432,968Total liabilities and capital
  • $379,507Total liabilities
  • $367,011Total deposits
  • $280,659Interest-bearing deposits
  • $367,011Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,000Other borrowed funds
  • $0Subordinated debt
  • $1,496All other liabilities
  • $53,461Total equity capital
  • $53,461Total bank equity capital
  • $53,461Perpetual preferred stock
  • $0Common stock
  • $15,021Surplus
  • $24,895Undivided profits
  • Memoranda
  • $13,545Noncurrent loans and leases
  • $108,533Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $117Earning assets
  • $0Long-term assets (5+ years)
  • $1,916Average Assets, year-to-date
  • $382,721Average Assets, quarterly
  • $35,733Volatile liabilities
  • $419,737Insider loans
  • $431,952FHLB advances
  • $83,016Loans and leases held for sale
  • $2,942Unused loan commitments
  • $11,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $108,533Total unused commitments
  • $0Restructured Loans and leases
  • $4,578Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $25,285Total interest income
  • $4,357Total interest expense
  • $20,928Net interest income
  • $660Provision for loan and lease losses
  • $3,895Total noninterest income
  • $0Fiduciary activities
  • $2,123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,772Additional noninterest income
  • $12,591Total noninterest expense
  • $5,446Salaries and employee benefits
  • $1,831Premises and equipment expense
  • $5,314Additional noninterest expense
  • $11,572Pre-tax net operating income
  • $6Securities gains (losses)
  • $4,374Applicable income taxes
  • $7,204Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,204Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $237Sale, conversion, retirement of capital stock, net
  • $3,500Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.81%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 5.64%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 1.72%Net operating income to assets
  • 1.72%Return on assets (ROA)
  • 2.76%Pretax return on assets
  • 13.90%Return on equity (ROE)
  • 7.14%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 278.48%Credit loss provision to net charge-offs
  • 51.61%Efficiency ratio
  • 48,709Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.58%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 4022.22%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 94.18%Net loans and leases to core deposits
  • 117.17%Equity capital to assets
  • 12.35%Core capital (leverage) ratio
  • 9.07%Tier 1 risk-based capital ratio
  • 10.26%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $419,737Average earning assets
  • $51,844Average equity
  • $371,336Average loans

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