Community Banks of Northern California in Tracy, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 01, 2010

  • Community Banks of Northern California in Tracy, California (CA)
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Community Banks of Northern California - Overview

  • General
  • FDIC Certificate #: 32148
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Banks of Colorado (#21132)
    Federal Reserve ID: 423074
    Date Established: January 01, 1981
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 7903
    FDIC's unique #: 44982
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 15, 1982
    Last Structure Change Effective Date: March 01, 2010
    Last Structure Change Process Date: March 04, 2010
    Last Data Update: March 04, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1003 Central Avenue, Tracy, CA 95376
    County: San Joaquin
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Dallas
    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: $145.5 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, 2009)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $145,485Total assets
  • $40,272Cash and due from depository institutions
  • $35,862Interest-bearing balances
  • $18,788Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,616Net loans & leases
  • $4,393Loan loss allowance
  • $0Trading account assets
  • $8,584Bank premises and fixed assets
  • $5,456Other real estate owned
  • $36Goodwill and other intangibles
  • $0Life insurance assets
  • $7,733All other assets
  • $145,485Total liabilities and capital
  • $139,517Total liabilities
  • $138,992Total deposits
  • $127,677Interest-bearing deposits
  • $138,992Deposits held in domestic offices
  • 95.21%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $525All other liabilities
  • $5,968Total equity capital
  • $5,968Total bank equity capital
  • $5,968Perpetual preferred stock
  • $0Common stock
  • $2,205Surplus
  • $21,135Undivided profits
  • Memoranda
  • $-17,372Noncurrent loans and leases
  • $2,722Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $17,669Earning assets
  • $0Long-term assets (5+ years)
  • $352Average Assets, year-to-date
  • $119,266Average Assets, quarterly
  • $20,154Volatile liabilities
  • $156,029Insider loans
  • $146,263FHLB advances
  • $68,390Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,722Total unused commitments
  • $245Restructured Loans and leases
  • $1,051Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $5,901Total interest income
  • $3,616Total interest expense
  • $2,285Net interest income
  • $10,355Provision for loan and lease losses
  • $1,039Total noninterest income
  • $0Fiduciary activities
  • $348Service charges on deposit accounts
  • $0Trading account gains & fees
  • $691Additional noninterest income
  • $9,357Total noninterest expense
  • $1,481Salaries and employee benefits
  • $1,145Premises and equipment expense
  • $6,731Additional noninterest expense
  • -$16,388Pre-tax net operating income
  • $942Securities gains (losses)
  • -$2,147Applicable income taxes
  • -$13,299Income before extraordinary items
  • $0Extraordinary gains - net
  • -$13,299Net income attributable to bank
  • $0Net charge-offs
  • -$13,299Cash dividends
  • $14,350Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 2.79%Cost of funding earning assets
  • 1.76%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 7.22%Noninterest expense to earning assets
  • -9.04%Net operating income to assets
  • -8.52%Return on assets (ROA)
  • -9.90%Pretax return on assets
  • -120.06%Return on equity (ROE)
  • -120.06%Retained earnings to average equity (YTD only)
  • 14.22%Net charge-offs to loans
  • 72.16%Credit loss provision to net charge-offs
  • -0.42%Efficiency ratio
  • 155,475Assets per employee
  • 6.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.37%Loss allowance to noncurrent loans
  • 24.86%Noncurrent assets plus other real estate owned to assets
  • 15.90%Noncurrent loans to loans
  • 25.60%Net loans and leases to deposits
  • 46.49%Net loans and leases to core deposits
  • 91.52%Equity capital to assets
  • 4.10%Core capital (leverage) ratio
  • 2.36%Tier 1 risk-based capital ratio
  • 4.31%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $156,029Average earning assets
  • $11,077Average equity
  • $129,550Average loans

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