Community Bank of Central California in Salinas, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 01, 2006

  • Community Bank of Central California in Salinas, California (CA)
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Community Bank of Central California - Overview

  • General
  • FDIC Certificate #: 24243
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Rabobank, National Association (#23364)
    Federal Reserve ID: 262068
    Date Established: January 31, 1983
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 16 (Interstate: No)
    FDIC's unique #: 16877
    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: January 31, 1983
    Last Structure Change Effective Date: Febuary 01, 2006
    Last Structure Change Process Date: Febuary 21, 2006
    Last Data Update: Febuary 21, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 South Main Street, Salinas, CA 93902
    County: Monterey
    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): Salinas, CA (#7120)
    Core Based Statistical Area (CBSA): Salinas, CA (#41500)
    CBSA Metro Statistical Area: Salinas, CA (#41500)
  • Financial Summary
  • Total assets: $1,245.7 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, 2005)

  • Dollar figures in thousands
  • 147Total employees (full-time equivalent)
  • $1,245,675Total assets
  • $59,374Cash and due from depository institutions
  • $4,011Interest-bearing balances
  • $213,536Securities
  • $2,570Federal funds sold & reverse repurchase agreements
  • $948,591Net loans & leases
  • $21,111Loan loss allowance
  • $0Trading account assets
  • $1,916Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $19,688All other assets
  • $1,245,675Total liabilities and capital
  • $1,139,227Total liabilities
  • $1,118,790Total deposits
  • $758,354Interest-bearing deposits
  • $1,118,790Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,875Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,792Other borrowed funds
  • $0Subordinated debt
  • $6,770All other liabilities
  • $106,448Total equity capital
  • $106,448Total bank equity capital
  • $106,448Perpetual preferred stock
  • $0Common stock
  • $20,342Surplus
  • $8,383Undivided profits
  • Memoranda
  • $77,723Noncurrent loans and leases
  • $264,112Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,318Earning assets
  • $25Long-term assets (5+ years)
  • $5,548Average Assets, year-to-date
  • $1,168,708Average Assets, quarterly
  • $348,990Volatile liabilities
  • $1,205,027Insider loans
  • $1,232,591FHLB advances
  • $287,047Loans and leases held for sale
  • $12,611Unused loan commitments
  • $10,792Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $264,112Total unused commitments
  • $0Restructured Loans and leases
  • $13,212Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $74,045Total interest income
  • $17,032Total interest expense
  • $57,013Net interest income
  • $1,400Provision for loan and lease losses
  • $4,325Total noninterest income
  • $0Fiduciary activities
  • $3,121Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,204Additional noninterest income
  • $27,071Total noninterest expense
  • $7,774Salaries and employee benefits
  • $3,084Premises and equipment expense
  • $16,213Additional noninterest expense
  • $32,867Pre-tax net operating income
  • $12Securities gains (losses)
  • $12,833Applicable income taxes
  • $20,046Income before extraordinary items
  • $0Extraordinary gains - net
  • $20,046Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$3,442Sale, conversion, retirement of capital stock, net
  • $4,500Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.50%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 5.01%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.38%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 2.73%Pretax return on assets
  • 20.09%Return on equity (ROE)
  • 15.58%Retained earnings to average equity (YTD only)
  • -0.37%Net charge-offs to loans
  • -40.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 44,134Assets per employee
  • 8.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.45%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 636.26%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 84.79%Net loans and leases to core deposits
  • 113.55%Equity capital to assets
  • 8.55%Core capital (leverage) ratio
  • 8.93%Tier 1 risk-based capital ratio
  • 10.32%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,205,027Average earning assets
  • $99,794Average equity
  • $1,138,944Average loans

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