Community Bank of the Bay in Oakland, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Bank of the Bay in Oakland, California (CA)
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Community Bank of the Bay - Overview

  • General
  • FDIC Certificate #: 34210
    Status: Active
    Federal Reserve ID: 2483438
    Date Established: July 22, 1996
    WWW: http://www.communitybankbay.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 56968
    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: July 22, 1996
    Last Structure Change Effective Date: January 19, 2012
    Last Structure Change Process Date: January 19, 2012
    Last Data Update: January 19, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1750 Broadway, Oakland, CA 94612
    County: Alameda
    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): Oakland, CA (#5775)
    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: Oakland-Fremont-Hayward, CA (#36084)
  • Financial Summary
  • Total assets: $128.5 mil
    Equity capital: $15.1 mil
    Deposits held in domestic offices: $105.3 mil
    Return on assets (ROA): 0.00% ($0.0 mil)
    Quarterly return on assets: -0.09% (-$0.1 mil)
    Return on Equity (ROE): -0.03% (-$0.0 mil)
    Quarterly return on equity: -0.74% (-$0.1 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.00% ($0.0 mil)
    Quarterly Pretax return on assets: -0.09% (-$115.6 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, 2011)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $128,451Total assets
  • $14,160Cash and due from depository institutions
  • $9,344Interest-bearing balances
  • $7,802Securities
  • $1,215Federal funds sold & reverse repurchase agreements
  • $95,905Net loans & leases
  • $2,013Loan loss allowance
  • $0Trading account assets
  • $3,732Bank premises and fixed assets
  • $107Other real estate owned
  • $0Goodwill and other intangibles
  • $128,451Life insurance assets
  • $5,530All other assets
  • $113,373Total liabilities and capital
  • $105,299Total liabilities
  • $64,690Total deposits
  • $105,299Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $1,074Subordinated debt
  • $15,078All other liabilities
  • $15,078Total equity capital
  • $15,078Total bank equity capital
  • $4,060Perpetual preferred stock
  • $21,089Common stock
  • $425Surplus
  • $-10,496Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $214Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,761Income earned, not collected on loans
  • $922Earning assets
  • $446Long-term assets (5+ years)
  • $114,266Average Assets, year-to-date
  • $25,981Average Assets, quarterly
  • $125,846Volatile liabilities
  • $130,684Insider loans
  • $99,996FHLB advances
  • $133,325Loans and leases held for sale
  • $3,432Unused loan commitments
  • $3,432Tier 1 (core) risk-based capital
  • $15,025Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,232Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,726Total interest income
  • $578Total interest expense
  • $5,148Net interest income
  • $1,430Provision for loan and lease losses
  • $2,129Total noninterest income
  • $0Fiduciary activities
  • $330Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,799Additional noninterest income
  • $6,035Total noninterest expense
  • $3,218Salaries and employee benefits
  • $843Premises and equipment expense
  • $1,974Additional noninterest expense
  • -$188Pre-tax net operating income
  • $183Securities gains (losses)
  • $0Applicable income taxes
  • -$5Income before extraordinary items
  • $0Extraordinary gains - net
  • -$5Net income attributable to bank
  • $0Net charge-offs
  • -$5Cash dividends
  • $1,509Sale, conversion, retirement of capital stock, net
  • $80Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 4.54%Net interest margin
  • 1.88%Noninterest income to earning assets
  • 5.32%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • -0.00%Return on assets (ROA)
  • -0.00%Pretax return on assets
  • -0.03%Return on equity (ROE)
  • -0.57%Retained earnings to average equity (YTD only)
  • 1.69%Net charge-offs to loans
  • 94.76%Credit loss provision to net charge-offs
  • 0.82%Efficiency ratio
  • 82,933Assets per employee
  • 5.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -1600.00%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 53.52%Noncurrent assets plus other real estate owned to assets
  • 3.01%Noncurrent loans to loans
  • 3.84%Net loans and leases to deposits
  • 91.08%Net loans and leases to core deposits
  • 100.76%Equity capital to assets
  • 11.74%Core capital (leverage) ratio
  • 11.27%Tier 1 risk-based capital ratio
  • 15.03%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $125,846Average earning assets
  • $15,024Average equity
  • $113,439Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056968Community Bank Of The Bay1750 Broadway, Oakland, CA 94612July 22, 1996Full Service Brick and Mortar

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