Central Sierra Bank in San Andreas, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 2003

  • Central Sierra Bank in San Andreas, California (CA)
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Central Sierra Bank - Overview

  • General
  • FDIC Certificate #: 23579
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central California Bank (#57372)
    Federal Reserve ID: 9160
    Date Established: November 12, 1981
    WWW: http://www.centralsierrabank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Interstate: No)
    OTS Docket #: 9206
    FDIC's unique #: 16512
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 12, 1981
    Last Structure Change Effective Date: July 12, 2003
    Last Structure Change Process Date: August 07, 2003
    Last Data Update: August 07, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 373 West St. Charles Street, San Andreas, CA 95249
    County: Calaveras
    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
  • Financial Summary
  • Total assets: $147.9 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, 2002)

  • Dollar figures in thousands
  • 82Total employees (full-time equivalent)
  • $137,389Total assets
  • $17,487Cash and due from depository institutions
  • $10,396Interest-bearing balances
  • $11,487Securities
  • $19,681Federal funds sold & reverse repurchase agreements
  • $85,474Net loans & leases
  • $1,210Loan loss allowance
  • $0Trading account assets
  • $1,652Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,608All other assets
  • $137,389Total liabilities and capital
  • $126,610Total liabilities
  • $118,659Total deposits
  • $93,771Interest-bearing deposits
  • $118,659Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,650Other borrowed funds
  • $0Subordinated debt
  • $301All other liabilities
  • $10,779Total equity capital
  • $10,779Total bank equity capital
  • $10,779Perpetual preferred stock
  • $0Common stock
  • $4,501Surplus
  • $0Undivided profits
  • Memoranda
  • $6,278Noncurrent loans and leases
  • $22,646Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $44Earning assets
  • $0Long-term assets (5+ years)
  • $477Average Assets, year-to-date
  • $127,038Average Assets, quarterly
  • $644Volatile liabilities
  • $136,901Insider loans
  • $136,553FHLB advances
  • $11,327Loans and leases held for sale
  • $854Unused loan commitments
  • $7,650Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $22,646Total unused commitments
  • $0Restructured Loans and leases
  • $1,153Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $7,395Total interest income
  • $2,241Total interest expense
  • $5,154Net interest income
  • $45Provision for loan and lease losses
  • $1,112Total noninterest income
  • $0Fiduciary activities
  • $653Service charges on deposit accounts
  • $0Trading account gains & fees
  • $459Additional noninterest income
  • $4,624Total noninterest expense
  • $2,403Salaries and employee benefits
  • $452Premises and equipment expense
  • $1,769Additional noninterest expense
  • $1,597Pre-tax net operating income
  • $0Securities gains (losses)
  • $640Applicable income taxes
  • $957Income before extraordinary items
  • $0Extraordinary gains - net
  • $957Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$12Sale, conversion, retirement of capital stock, net
  • $389Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.78%Yield on earning assets
  • 1.75%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 9.19%Return on equity (ROE)
  • 5.45%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -375.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 73,795Assets per employee
  • 1.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.65%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 2750.00%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 72.03%Net loans and leases to core deposits
  • 79.64%Equity capital to assets
  • 7.85%Core capital (leverage) ratio
  • 7.85%Tier 1 risk-based capital ratio
  • 11.69%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $136,901Average earning assets
  • $10,415Average equity
  • $127,943Average loans

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