FDIC Certificate #: 21650 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Bank & Trust (#18678) Federal Reserve ID: 162560 Date Established: June 26, 1974 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 12281 FDIC's unique #: 14983 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: June 26, 1974 Last Structure Change Effective Date: November 01, 2000 Last Structure Change Process Date: December 21, 2000 Last Data Update: December 21, 2000 Data Source Date: April 05, 2012
Location
Address: 333 Pine Street, San Francisco, CA 94104 County: San Francisco 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): San Francisco, CA (#7360) 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: San Francisco-San Mateo-Redwood City, CA (#41884)
Financial Summary
Total assets: $155.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
49Total employees (full-time equivalent)
$175,563Total assets
$16,112Cash and due from depository institutions
$10,898Interest-bearing balances
$64,681Securities
$700Federal funds sold & reverse repurchase agreements
$85,390Net loans & leases
$1,639Loan loss allowance
$0Trading account assets
$631Bank premises and fixed assets
$0Other real estate owned
$1,046Goodwill and other intangibles
$0Life insurance assets
$7,003All other assets
$175,563Total liabilities and capital
$159,833Total liabilities
$157,914Total deposits
$101,490Interest-bearing deposits
$157,914Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$107Other borrowed funds
$30Subordinated debt
$1,782All other liabilities
$15,730Total equity capital
$15,730Total bank equity capital
$15,730Perpetual preferred stock
$0Common stock
$14,809Surplus
$0Undivided profits
Memoranda
$921Noncurrent loans and leases
$28,947Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$517Earning assets
$0Long-term assets (5+ years)
$467Average Assets, year-to-date
$161,669Average Assets, quarterly
$9,097Volatile liabilities
$171,216Insider loans
$172,641FHLB advances
$22,354Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$28,947Total unused commitments
$0Restructured Loans and leases
$1,499Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$11,495Total interest income
$3,795Total interest expense
$7,700Net interest income
$1,002Provision for loan and lease losses
$2,428Total noninterest income
$0Fiduciary activities
$470Service charges on deposit accounts
$0Trading account gains & fees
$1,958Additional noninterest income
$7,305Total noninterest expense
$4,104Salaries and employee benefits
$661Premises and equipment expense
$2,540Additional noninterest expense
$1,821Pre-tax net operating income
$19Securities gains (losses)
$776Applicable income taxes
$1,064Income before extraordinary items
$0Extraordinary gains - net
$1,064Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$915Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.34%Yield on earning assets
2.42%Cost of funding earning assets
4.92%Net interest margin
1.55%Noninterest income to earning assets
4.66%Noninterest expense to earning assets
0.61%Net operating income to assets
0.62%Return on assets (ROA)
1.07%Pretax return on assets
6.84%Return on equity (ROE)
6.84%Retained earnings to average equity (YTD only)
1.13%Net charge-offs to loans
109.51%Credit loss provision to net charge-offs
3.09%Efficiency ratio
71,110Assets per employee
3.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
317.02%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.59%Net loans and leases to deposits
54.07%Net loans and leases to core deposits
62.94%Equity capital to assets
8.96%Core capital (leverage) ratio
8.81%Tier 1 risk-based capital ratio
13.33%Total risk-based capital ratio
Memoranda
$15Average assets
$171,216Average earning assets
$15,564Average equity
$156,621Average loans
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