FDIC Certificate #: 26782 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:CivicBank of Commerce (#25797) Federal Reserve ID: 54469 Date Established: September 15, 1986 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 35930 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: September 15, 1986 Last Structure Change Effective Date: March 01, 2000 Last Structure Change Process Date: May 12, 2000 Last Data Update: May 12, 2000 Data Source Date: April 05, 2012
Location
Address: 1411 A Street, Antioch, CA 94509 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: $78.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
45Total employees (full-time equivalent)
$78,345Total assets
$4,546Cash and due from depository institutions
$0Interest-bearing balances
$15,669Securities
$7,860Federal funds sold & reverse repurchase agreements
$48,230Net loans & leases
$1,078Loan loss allowance
$0Trading account assets
$511Bank premises and fixed assets
$200Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,329All other assets
$78,345Total liabilities and capital
$72,118Total liabilities
$71,871Total deposits
$52,770Interest-bearing deposits
$71,871Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$247All other liabilities
$6,227Total equity capital
$6,227Total bank equity capital
$6,227Perpetual preferred stock
$0Common stock
$2,817Surplus
$3,145Undivided profits
Memoranda
$265Noncurrent loans and leases
$8,592Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$243Earning assets
$0Long-term assets (5+ years)
$452Average Assets, year-to-date
$71,759Average Assets, quarterly
$6,954Volatile liabilities
$75,379Insider loans
$78,644FHLB advances
$10,849Loans and leases held for sale
$57Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,592Total unused commitments
$111Restructured Loans and leases
$720Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,461Total interest income
$1,829Total interest expense
$4,632Net interest income
$714Provision for loan and lease losses
$810Total noninterest income
$0Fiduciary activities
$418Service charges on deposit accounts
$0Trading account gains & fees
$392Additional noninterest income
$3,896Total noninterest expense
$2,232Salaries and employee benefits
$597Premises and equipment expense
$1,067Additional noninterest expense
$832Pre-tax net operating income
$0Securities gains (losses)
$337Applicable income taxes
$495Income before extraordinary items
$0Extraordinary gains - net
$495Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$610Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.30%Yield on earning assets
2.63%Cost of funding earning assets
6.67%Net interest margin
1.17%Noninterest income to earning assets
5.61%Noninterest expense to earning assets
0.66%Net operating income to assets
0.66%Return on assets (ROA)
1.10%Pretax return on assets
8.20%Return on equity (ROE)
8.20%Retained earnings to average equity (YTD only)
1.23%Net charge-offs to loans
117.05%Credit loss provision to net charge-offs
2.53%Efficiency ratio
71,591Assets per employee
1.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.19%Loss allowance to noncurrent loans
443.62%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.49%Net loans and leases to deposits
67.11%Net loans and leases to core deposits
79.04%Equity capital to assets
7.95%Core capital (leverage) ratio
7.91%Tier 1 risk-based capital ratio
11.29%Total risk-based capital ratio
Memoranda
$13Average assets
$75,379Average earning assets
$6,035Average equity
$69,448Average loans
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