Cupertino National Bank in Cupertino, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 02, 2004

  • Cupertino National Bank in Cupertino, California (CA)
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Cupertino National Bank - Overview

  • General
  • FDIC Certificate #: 26254
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Greater Bay Bank, National Association (#27068)
    Federal Reserve ID: 781466
    Date Established: May 10, 1985
    WWW: http://www.cupnb.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 9844
    FDIC's unique #: 32610
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: May 10, 1985
    Last Structure Change Effective Date: Febuary 02, 2004
    Last Structure Change Process Date: March 01, 2004
    Last Data Update: March 01, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 20230 Stevens Creek Boulevard, Cupertino, CA 95014
    County: Santa Clara
    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): San Jose, CA (#7400)
    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 Jose-Sunnyvale-Santa Clara, CA (#41940)
    CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
  • Financial Summary
  • Total assets: $2,117.8 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, 2003)

  • Dollar figures in thousands
  • 270Total employees (full-time equivalent)
  • $2,117,750Total assets
  • $62,850Cash and due from depository institutions
  • $1,701Interest-bearing balances
  • $318,490Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,555,546Net loans & leases
  • $55,713Loan loss allowance
  • $0Trading account assets
  • $2,621Bank premises and fixed assets
  • $0Other real estate owned
  • $27,845Goodwill and other intangibles
  • $0Life insurance assets
  • $150,398All other assets
  • $2,117,750Total liabilities and capital
  • $1,920,402Total liabilities
  • $1,372,356Total deposits
  • $1,265,243Interest-bearing deposits
  • $1,372,356Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $350,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $108,553Other borrowed funds
  • $0Subordinated debt
  • $89,493All other liabilities
  • $197,348Total equity capital
  • $197,348Total bank equity capital
  • $197,348Perpetual preferred stock
  • $0Common stock
  • $1,589Surplus
  • $102,538Undivided profits
  • Memoranda
  • $93,221Noncurrent loans and leases
  • $225,122Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $32,246Earning assets
  • $2,231Long-term assets (5+ years)
  • $5,909Average Assets, year-to-date
  • $1,875,737Average Assets, quarterly
  • $780,636Volatile liabilities
  • $2,171,615Insider loans
  • $2,126,693FHLB advances
  • $713,692Loans and leases held for sale
  • $8,288Unused loan commitments
  • $100,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,132Total risk weighted assets
  • $225,122Total unused commitments
  • $278Restructured Loans and leases
  • $26,970Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $141,527Total interest income
  • $27,232Total interest expense
  • $114,295Net interest income
  • $20,370Provision for loan and lease losses
  • $26,691Total noninterest income
  • $3,614Fiduciary activities
  • $1,072Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22,005Additional noninterest income
  • $80,945Total noninterest expense
  • $23,122Salaries and employee benefits
  • $4,983Premises and equipment expense
  • $52,840Additional noninterest expense
  • $39,671Pre-tax net operating income
  • $1,669Securities gains (losses)
  • $15,459Applicable income taxes
  • $25,881Income before extraordinary items
  • $0Extraordinary gains - net
  • $25,881Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $19,894Sale, conversion, retirement of capital stock, net
  • $5,070Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.24%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 5.85%Net interest margin
  • 1.37%Noninterest income to earning assets
  • 4.14%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.90%Pretax return on assets
  • 13.74%Return on equity (ROE)
  • 11.05%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 102.39%Credit loss provision to net charge-offs
  • 3.02%Efficiency ratio
  • 57,238Assets per employee
  • 7.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.59%Loss allowance to loans
  • 3.46%Loss allowance to noncurrent loans
  • 172.77%Noncurrent assets plus other real estate owned to assets
  • 1.53%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 113.35%Net loans and leases to core deposits
  • 145.76%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 10.39%Tier 1 risk-based capital ratio
  • 11.89%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $2,171,615Average earning assets
  • $188,373Average equity
  • $1,953,516Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $365,832Managed Assets
  • 1Number of Accounts
  • $341,059Personal trust and agency accounts
  • $209,984Employee benefit-defined contribution accounts
  • $18,511Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $25,652Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $86,912Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 533Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24,773Other retirement accounts
  • $6,821Corporate trust and agency accounts
  • $17,166Other fiduciary accounts
  • $418Fiduciary accounts held in foreign offices

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