Community Bank of San Joaquin in Stockton, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank of San Joaquin - Overview

  • General
  • FDIC Certificate #: 35170
    Status: Active
    Federal Reserve ID: 2785637
    Bank Holding Company (Regulatory Top Holder): Bank On It, Inc. (RSSDID: 2801069, Location: Stockton, CA)
    Date Established: November 05, 1999
    WWW: http://www.cbsjbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 75643
    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: November 05, 1999
    Last Structure Change Effective Date: August 28, 2009
    Last Structure Change Process Date: August 28, 2009
    Last Data Update: August 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 22 West Yokuts Avenue, Stockton, CA 95207
    County: San Joaquin
    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): Stockton-Lodi, CA (#8120)
    Core Based Statistical Area (CBSA): Stockton, CA (#44700)
    CBSA Metro Statistical Area: Stockton, CA (#44700)
  • Financial Summary
  • Total assets: $136.2 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $115.2 mil
    Return on assets (ROA): -0.52% (-$0.7 mil)
    Quarterly return on assets: -0.44% (-$0.6 mil)
    Return on Equity (ROE): -7.51% (-$0.7 mil)
    Quarterly return on equity: -6.33% (-$0.6 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.52% (-$708.3 mil)
    Quarterly Pretax return on assets: -0.44% (-$599.3 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
  • 30Total employees (full-time equivalent)
  • $136,206Total assets
  • $32,117Cash and due from depository institutions
  • $27,871Interest-bearing balances
  • $32,703Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $66,283Net loans & leases
  • $2,311Loan loss allowance
  • $0Trading account assets
  • $609Bank premises and fixed assets
  • $104Other real estate owned
  • $79Goodwill and other intangibles
  • $136,206Life insurance assets
  • $4,311All other assets
  • $127,176Total liabilities and capital
  • $115,220Total liabilities
  • $82,246Total deposits
  • $115,220Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,250Trading liabilities
  • $0Other borrowed funds
  • $706Subordinated debt
  • $9,030All other liabilities
  • $9,030Total equity capital
  • $9,030Total bank equity capital
  • $0Perpetual preferred stock
  • $15,592Common stock
  • $0Surplus
  • $-6,562Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,901Income earned, not collected on loans
  • $0Earning assets
  • $512Long-term assets (5+ years)
  • $126,857Average Assets, year-to-date
  • $30,028Average Assets, quarterly
  • $129,434Volatile liabilities
  • $130,929Insider loans
  • $78,845FHLB advances
  • $130,404Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,298Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,706Restructured Loans and leases
  • $6,057Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,103Total interest income
  • $849Total interest expense
  • $4,254Net interest income
  • $825Provision for loan and lease losses
  • $1,129Total noninterest income
  • $368Fiduciary activities
  • $244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $517Additional noninterest income
  • $5,502Total noninterest expense
  • $2,360Salaries and employee benefits
  • $951Premises and equipment expense
  • $2,191Additional noninterest expense
  • -$944Pre-tax net operating income
  • $271Securities gains (losses)
  • $1Applicable income taxes
  • -$674Income before extraordinary items
  • $0Extraordinary gains - net
  • -$674Net income attributable to bank
  • $0Net charge-offs
  • -$674Cash dividends
  • $1,362Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 4.56%Noninterest expense to earning assets
  • -0.73%Net operating income to assets
  • -0.52%Return on assets (ROA)
  • -0.52%Pretax return on assets
  • -7.51%Return on equity (ROE)
  • -7.51%Retained earnings to average equity (YTD only)
  • 1.91%Net charge-offs to loans
  • 60.57%Credit loss provision to net charge-offs
  • -0.09%Efficiency ratio
  • 102,211Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.37%Loss allowance to noncurrent loans
  • 59.24%Noncurrent assets plus other real estate owned to assets
  • 2.94%Noncurrent loans to loans
  • 5.69%Net loans and leases to deposits
  • 57.53%Net loans and leases to core deposits
  • 64.45%Equity capital to assets
  • 6.63%Core capital (leverage) ratio
  • 6.36%Tier 1 risk-based capital ratio
  • 10.52%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $129,434Average earning assets
  • $8,975Average equity
  • $120,623Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $25,252Managed Assets
  • 1Number of Accounts
  • $22,501Personal trust and agency accounts
  • $12,287Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,929Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,498Other fiduciary accounts
  • $1,787Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 54Number of Accounts
  • $0Personal trust and agency accounts
  • $3,929Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,751Other retirement accounts
  • $501Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    075643Community Bank Of San Joaquin22 West Yokuts Avenue, Stockton, CA 95207November 05, 1999Full Service Brick and Mortar
    1458322Waterloo Branch4426 E. State Highway 88 On Waterloo Road, Stockton, CA 95215January 05, 2007Full Service Brick and Mortar

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