Community Business Bank in West Sacramento, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Business Bank - Overview

  • General
  • FDIC Certificate #: 58159
    Status: Active
    Federal Reserve ID: 3392292
    Date Established: November 14, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 440857
    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 14, 2005
    Last Structure Change Effective Date: November 02, 2009
    Last Structure Change Process Date: November 02, 2009
    Last Data Update: November 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1550 Harbor Boulevard, Suite #200, West Sacramento, CA 95691
    County: Yolo
    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): Yolo, CA (#9270)
    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: $156.4 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $133.5 mil
    Return on assets (ROA): 1.55% ($2.4 mil)
    Quarterly return on assets: 4.00% ($6.2 mil)
    Return on Equity (ROE): 11.77% ($2.5 mil)
    Quarterly return on equity: 30.63% ($6.4 mil)
    Net income: $2.3 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 0.66% ($1,032.1 mil)
    Quarterly Pretax return on assets: 0.62% ($969.5 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
  • 37Total employees (full-time equivalent)
  • $156,377Total assets
  • $12,280Cash and due from depository institutions
  • $7,892Interest-bearing balances
  • $21,132Securities
  • $9,645Federal funds sold & reverse repurchase agreements
  • $104,922Net loans & leases
  • $2,207Loan loss allowance
  • $0Trading account assets
  • $1,225Bank premises and fixed assets
  • $1,439Other real estate owned
  • $0Goodwill and other intangibles
  • $156,377Life insurance assets
  • $5,734All other assets
  • $135,301Total liabilities and capital
  • $133,497Total liabilities
  • $102,627Total deposits
  • $133,497Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,804Subordinated debt
  • $21,076All other liabilities
  • $21,076Total equity capital
  • $21,076Total bank equity capital
  • $4,095Perpetual preferred stock
  • $21,597Common stock
  • $0Surplus
  • $-4,616Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,109Income earned, not collected on loans
  • $0Earning assets
  • $564Long-term assets (5+ years)
  • $143,591Average Assets, year-to-date
  • $35,618Average Assets, quarterly
  • $147,239Volatile liabilities
  • $155,631Insider loans
  • $115,214FHLB advances
  • $155,579Loans and leases held for sale
  • $1,813Unused loan commitments
  • $1,813Tier 1 (core) risk-based capital
  • $19,806Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,014Restructured Loans and leases
  • $3,211Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,786Total interest income
  • $676Total interest expense
  • $7,110Net interest income
  • $610Provision for loan and lease losses
  • $423Total noninterest income
  • $0Fiduciary activities
  • $111Service charges on deposit accounts
  • $0Trading account gains & fees
  • $312Additional noninterest income
  • $5,955Total noninterest expense
  • $2,902Salaries and employee benefits
  • $1,279Premises and equipment expense
  • $1,774Additional noninterest expense
  • $968Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,313Applicable income taxes
  • $2,281Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,281Net income attributable to bank
  • $0Net charge-offs
  • $2,281Cash dividends
  • $537Sale, conversion, retirement of capital stock, net
  • $217Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 5.19%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 4.35%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 11.77%Return on equity (ROE)
  • 10.65%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 113.59%Credit loss provision to net charge-offs
  • 2.94%Efficiency ratio
  • 79,052Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.51%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 104.65%Noncurrent assets plus other real estate owned to assets
  • 2.27%Noncurrent loans to loans
  • 1.97%Net loans and leases to deposits
  • 78.60%Net loans and leases to core deposits
  • 112.42%Equity capital to assets
  • 13.48%Core capital (leverage) ratio
  • 12.73%Tier 1 risk-based capital ratio
  • 17.19%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $147,239Average earning assets
  • $19,376Average equity
  • $136,974Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0440857Community Business Bank1550 Harbor Boulevard, Suite #200, West Sacramento, CA 95691November 14, 2005Full Service Brick and Mortar
    1445965Lodi Branch1540 Kettleman Lane, Suite A, Lodi, CA 95242November 14, 2005Full Service Brick and Mortar
    4512902West Sacramento Branch725 Riverpoint Court, West Sacramento, CA 95605September 08, 2008Full Service Brick and Mortar
    5519372Vacaville Lpo750 Mason Street, Vacaville, CA 95688June 07, 2010Limited Service Loan Production
    6521929Vacaville Lpo Branch750 Mason Street, Vacaville, CA 95688June 07, 2010Limited Service Administrative

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