El Capitan National Bank in Sonora, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 03, 1996

El Capitan National Bank in Sonora, California (CA)
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El Capitan National Bank - Overview

General
FDIC Certificate #: 22033
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: ValliWide Bank (#21166)
Federal Reserve ID: 412368
Date Established: June 12, 1975
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 9 (Interstate: No)
FDIC's unique #: 15287
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: June 12, 1975
Last Structure Change Effective Date: Febuary 03, 1996
Last Structure Change Process Date: Febuary 27, 1996
Last Data Update: Febuary 27, 1996
Data Source Date: April 05, 2012
Location
Address: 172 West Stockton Road, Sonora, CA 95370
County: Tuolumne
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
Core Based Statistical Area (CBSA): Phoenix Lake-Cedar Ridge, CA (#38020)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $133.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$98Total assets
$133,150Cash and due from depository institutions
$9,492Interest-bearing balances
$0Securities
$48,917Federal funds sold & reverse repurchase agreements
$8,520Net loans & leases
$62,052Loan loss allowance
$1,162Trading account assets
$0Bank premises and fixed assets
$1,564Other real estate owned
$645Goodwill and other intangibles
$1,960Life insurance assets
$0All other assets
$0Total liabilities and capital
$133,150Total liabilities
$117,270Total deposits
$116,778Interest-bearing deposits
$96,437Deposits held in domestic offices
116778.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$492Total equity capital
$492Total bank equity capital
$15,880Perpetual preferred stock
$0Common stock
$698Surplus
$2,420Undivided profits
Memoranda
$12,762Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,443Income earned, not collected on loans
$451Earning assets
$119,489Long-term assets (5+ years)
$8,208Average Assets, year-to-date
$133,139Average Assets, quarterly
$135,391Volatile liabilities
$7,175Insider loans
$41FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,822Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$15,442Total risk weighted assets
$71,048Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$10,229Total interest expense
$3,498Net interest income
$6,731Provision for loan and lease losses
$150Total noninterest income
$916Fiduciary activities
$0Service charges on deposit accounts
$694Trading account gains & fees
$0Additional noninterest income
$222Total noninterest expense
$6,158Salaries and employee benefits
$3,281Premises and equipment expense
$706Additional noninterest expense
$2,171Pre-tax net operating income
$1,339Securities gains (losses)
$11Applicable income taxes
$302Income before extraordinary items
$1,048Extraordinary gains - net
$0Net income attributable to bank
$1,048Net charge-offs
$27Cash dividends
$855Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.56%Cost of funding earning assets
2.93%Net interest margin
5.63%Noninterest income to earning assets
0.77%Noninterest expense to earning assets
5.15%Net operating income to assets
0.78%Return on assets (ROA)
0.79%Pretax return on assets
1.01%Return on equity (ROE)
6.86%Retained earnings to average equity (YTD only)
1.26%Net charge-offs to loans
0.04%Credit loss provision to net charge-offs
555.56%Efficiency ratio
80,528Assets per employee
1.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
81.58%Loss allowance to loans
1.84%Loss allowance to noncurrent loans
80.53%Noncurrent assets plus other real estate owned to assets
1.57%Noncurrent loans to loans
2.28%Net loans and leases to deposits
53.14%Net loans and leases to core deposits
56.62%Equity capital to assets
11.93%Core capital (leverage) ratio
11.42%Tier 1 risk-based capital ratio
21.73%Total risk-based capital ratio
Memoranda
$23Average assets
$133,139Average earning assets
$15,287Average equity
$119,498Average loans

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