Concord Commercial Bank in Concord, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 13, 1997

  • Concord Commercial Bank in Concord, California (CA)
  • Show street view No street view available for this location

Concord Commercial Bank - Overview

  • General
  • FDIC Certificate #: 26216
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: U.S. Bank of California (#1304)
    Federal Reserve ID: 708463
    Date Established: April 29, 1985
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 32549
    Numeric code: 13
    Regulator: FED
    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: April 29, 1985
    Last Structure Change Effective Date: March 13, 1997
    Last Structure Change Process Date: April 02, 1997
    Last Data Update: April 02, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 2118 Willow Pass Road, Concord, CA 94520
    County: Contra Costa
    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: $84.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $19Total assets
  • $84,232Cash and due from depository institutions
  • $3,672Interest-bearing balances
  • $0Securities
  • $18,552Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $60,011Loan loss allowance
  • $1,103Trading account assets
  • $0Bank premises and fixed assets
  • $407Other real estate owned
  • $312Goodwill and other intangibles
  • $1,278Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $84,232Total liabilities
  • $76,530Total deposits
  • $73,838Interest-bearing deposits
  • $59,999Deposits held in domestic offices
  • 73838.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $192Total equity capital
  • $192Total bank equity capital
  • $7,702Perpetual preferred stock
  • $0Common stock
  • $3,447Surplus
  • $3,622Undivided profits
  • Memoranda
  • $633Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,114Income earned, not collected on loans
  • $382Earning assets
  • $78,563Long-term assets (5+ years)
  • $16,034Average Assets, year-to-date
  • $84,508Average Assets, quarterly
  • $82,677Volatile liabilities
  • $14,648Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,737Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,539Total risk weighted assets
  • $61,393Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,865Total interest expense
  • $1,454Net interest income
  • $2,411Provision for loan and lease losses
  • $465Total noninterest income
  • $254Fiduciary activities
  • $0Service charges on deposit accounts
  • $149Trading account gains & fees
  • $0Additional noninterest income
  • $105Total noninterest expense
  • $1,426Salaries and employee benefits
  • $509Premises and equipment expense
  • $159Additional noninterest expense
  • $758Pre-tax net operating income
  • $774Securities gains (losses)
  • $21Applicable income taxes
  • $325Income before extraordinary items
  • $470Extraordinary gains - net
  • $0Net income attributable to bank
  • $470Net charge-offs
  • $237Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.91%Cost of funding earning assets
  • 1.85%Net interest margin
  • 3.06%Noninterest income to earning assets
  • 0.32%Noninterest expense to earning assets
  • 1.81%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 0.94%Return on equity (ROE)
  • 6.53%Retained earnings to average equity (YTD only)
  • 6.53%Net charge-offs to loans
  • 0.43%Credit loss provision to net charge-offs
  • 196.20%Efficiency ratio
  • 53,508Assets per employee
  • 4.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 99.01%Noncurrent assets plus other real estate owned to assets
  • 1.69%Noncurrent loans to loans
  • 1.82%Net loans and leases to deposits
  • 81.27%Net loans and leases to core deposits
  • 97.28%Equity capital to assets
  • 9.14%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 12.28%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $84,508Average earning assets
  • $7,200Average equity
  • $78,719Average loans

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