Community 1st Bank in Auburn, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community 1st Bank - Overview

  • General
  • FDIC Certificate #: 58191
    Status: Active
    Federal Reserve ID: 3409462
    Date Established: Febuary 01, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 441824
    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: Febuary 01, 2006
    Last Structure Change Effective Date: September 30, 2009
    Last Structure Change Process Date: October 14, 2009
    Last Data Update: October 14, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 649 Lincoln Way, Auburn, CA 95603
    County: Placer
    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
    Metropolitan Statistical Area (MSA): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $182.6 mil
    Equity capital: $20.2 mil
    Deposits held in domestic offices: $152.9 mil
    Return on assets (ROA): -1.56% (-$2.9 mil)
    Quarterly return on assets: -2.91% (-$5.3 mil)
    Return on Equity (ROE): -14.87% (-$3.0 mil)
    Quarterly return on equity: -24.25% (-$4.8 mil)
    Net income: -$2.5 mil
    Quarterly Net income: -$1.3 mil
    Pretax return on assets: -1.56% (-$2,847.8 mil)
    Quarterly Pretax return on assets: -2.91% (-$5,312.3 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
  • 33Total employees (full-time equivalent)
  • $182,553Total assets
  • $3,052Cash and due from depository institutions
  • $15Interest-bearing balances
  • $101,736Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,026Net loans & leases
  • $1,865Loan loss allowance
  • $0Trading account assets
  • $1,810Bank premises and fixed assets
  • $990Other real estate owned
  • $0Goodwill and other intangibles
  • $182,553Life insurance assets
  • $3,939All other assets
  • $162,312Total liabilities and capital
  • $152,928Total liabilities
  • $118,873Total deposits
  • $152,928Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 60.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,300Trading liabilities
  • $0Other borrowed funds
  • $1,024Subordinated debt
  • $20,241All other liabilities
  • $20,241Total equity capital
  • $20,241Total bank equity capital
  • $2,614Perpetual preferred stock
  • $24,311Common stock
  • $1,292Surplus
  • $-7,976Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,971Income earned, not collected on loans
  • $0Earning assets
  • $520Long-term assets (5+ years)
  • $172,777Average Assets, year-to-date
  • $116,425Average Assets, quarterly
  • $163,109Volatile liabilities
  • $175,060Insider loans
  • $95,915FHLB advances
  • $177,064Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,573Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,971Restructured Loans and leases
  • $110Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,957Total interest income
  • $997Total interest expense
  • $4,960Net interest income
  • $2,624Provision for loan and lease losses
  • $201Total noninterest income
  • $0Fiduciary activities
  • $82Service charges on deposit accounts
  • $0Trading account gains & fees
  • $119Additional noninterest income
  • $5,237Total noninterest expense
  • $2,774Salaries and employee benefits
  • $658Premises and equipment expense
  • $1,805Additional noninterest expense
  • -$2,700Pre-tax net operating income
  • $156Securities gains (losses)
  • $1Applicable income taxes
  • -$2,545Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,545Net income attributable to bank
  • $0Net charge-offs
  • -$2,545Cash dividends
  • $2,027Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.87%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • -1.66%Net operating income to assets
  • -1.56%Return on assets (ROA)
  • -1.56%Pretax return on assets
  • -14.87%Return on equity (ROE)
  • -14.87%Retained earnings to average equity (YTD only)
  • 2.89%Net charge-offs to loans
  • 129.45%Credit loss provision to net charge-offs
  • -0.04%Efficiency ratio
  • 101,473Assets per employee
  • 5.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.56%Loss allowance to noncurrent loans
  • 31.23%Noncurrent assets plus other real estate owned to assets
  • 3.81%Noncurrent loans to loans
  • 8.19%Net loans and leases to deposits
  • 46.44%Net loans and leases to core deposits
  • 50.95%Equity capital to assets
  • 11.09%Core capital (leverage) ratio
  • 11.05%Tier 1 risk-based capital ratio
  • 20.41%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $163,109Average earning assets
  • $17,116Average equity
  • $154,103Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0441824Community 1st Bank649 Lincoln Way, Auburn, CA 95603Febuary 01, 2006Full Service Brick and Mortar
    3512904Roseville Branch2250 Douglas Boulevard, Suite 100, Roseville, CA 95661September 09, 2009Full Service Brick and Mortar

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