Delta Bank, National Association in Manteca, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Delta Bank, National Association - Overview

  • General
  • FDIC Certificate #: 21147
    Status: Active
    Federal Reserve ID: 686963
    Bank Holding Company (Regulatory Top Holder): Delta National Bancorp (RSSDID: 1030880, Location: Manteca, CA)
    Date Established: July 02, 1973
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 14619
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 02, 1973
    Last Structure Change Effective Date: August 23, 2007
    Last Structure Change Process Date: September 06, 2007
    Last Data Update: September 06, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 611 North Main Street, Manteca, CA 95336
    County: San Joaquin
    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): Stockton-Lodi, CA (#8120)
    Core Based Statistical Area (CBSA): Stockton, CA (#44700)
    CBSA Metro Statistical Area: Stockton, CA (#44700)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $100.5 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $90.4 mil
    Return on assets (ROA): -1.75% (-$1.8 mil)
    Quarterly return on assets: -1.97% (-$2.0 mil)
    Return on Equity (ROE): -17.25% (-$1.7 mil)
    Quarterly return on equity: -20.06% (-$2.0 mil)
    Net income: -$1.8 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -1.75% (-$1,759.6 mil)
    Quarterly Pretax return on assets: -1.97% (-$1,980.8 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, 2011)

  • Dollar figures in thousands
  • 39Total employees (full-time equivalent)
  • $100,548Total assets
  • $4,815Cash and due from depository institutions
  • $2,104Interest-bearing balances
  • $26,195Securities
  • $5,355Federal funds sold & reverse repurchase agreements
  • $49,624Net loans & leases
  • $1,405Loan loss allowance
  • $0Trading account assets
  • $3,166Bank premises and fixed assets
  • $9,960Other real estate owned
  • $5Goodwill and other intangibles
  • $100,548Life insurance assets
  • $1,428All other assets
  • $90,717Total liabilities and capital
  • $90,434Total liabilities
  • $68,896Total deposits
  • $90,434Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $283Subordinated debt
  • $9,831All other liabilities
  • $9,831Total equity capital
  • $9,831Total bank equity capital
  • $0Perpetual preferred stock
  • $788Common stock
  • $1,406Surplus
  • $7,637Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,593Income earned, not collected on loans
  • $0Earning assets
  • $302Long-term assets (5+ years)
  • $83,278Average Assets, year-to-date
  • $14,965Average Assets, quarterly
  • $105,243Volatile liabilities
  • $102,464Insider loans
  • $64,792FHLB advances
  • $102,847Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,750Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,194Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,456Total interest income
  • $335Total interest expense
  • $3,121Net interest income
  • $0Provision for loan and lease losses
  • $85Total noninterest income
  • $0Fiduciary activities
  • $457Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$372Additional noninterest income
  • $5,047Total noninterest expense
  • $2,560Salaries and employee benefits
  • $436Premises and equipment expense
  • $2,051Additional noninterest expense
  • -$1,841Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • -$1,840Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,840Net income attributable to bank
  • $0Net charge-offs
  • -$1,840Cash dividends
  • $171Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.97%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 5.80%Noninterest expense to earning assets
  • -1.75%Net operating income to assets
  • -1.75%Return on assets (ROA)
  • -1.75%Pretax return on assets
  • -17.25%Return on equity (ROE)
  • -17.25%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -10.77%Efficiency ratio
  • 157,424Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.75%Loss allowance to noncurrent loans
  • 10.34%Noncurrent assets plus other real estate owned to assets
  • 23.42%Noncurrent loans to loans
  • 26.64%Net loans and leases to deposits
  • 54.87%Net loans and leases to core deposits
  • 58.02%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 15.05%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $105,243Average earning assets
  • $10,666Average equity
  • $87,013Average loans

List of branches

  • 8 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014619Delta Bank, National Association611 North Main Street, Manteca, CA 95336July 02, 1973Full Service Brick and Mortar
    2252345Riverbank Branch2401 Patterson Road, Riverbank, CA 95367May 02, 1977Full Service Brick and Mortar
    3252346Turlock Branch3700 Geer Road, Turlock, CA 95382May 03, 1980Full Service Brick and Mortar
    4252347Modesto Branch2711 Mchenry Avenue, Modesto, CA 95350September 19, 1983Full Service Brick and Mortar
    5252348Manteca Messenger Service Branch611 North Main, Manteca, CA 95336July 28, 1993Limited Service Messenger
    6252349Denair Messenger Service Branch3700 Greer Road, Turlock, CA 95380July 28, 1993Limited Service Messenger
    7252350Modesto Messenger Service Branch2711 Mchenry Avenue, Modesto, CA 95350July 28, 1993Limited Service Messenger
    8252351Stockton Branch1607 W March Lane, Stockton, CA 95202October 26, 1998Full Service Brick and Mortar

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