El Dorado Savings Bank, F.S.B. in Placerville, California (CA), NV



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El Dorado Savings Bank, F.S.B.
GeneralFDIC Certificate #: 30953
Status: Active
Federal Reserve ID: 961576
Date Established: January 01, 1956
WWW: http://www.eldoradosavingsbank.com
Trust Powers Granted: Yes
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 35 (Domestic: 35, Interstate: Yes)
OTS Docket #: 6164
FDIC's unique #: 43787
Numeric code: 37
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: 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: Mortgage Lending Specialization
Date of Deposit Insurance: December 16, 1957
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 4040 El Dorado Road, Placerville, CA 95667
County: El Dorado
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): Sacramento, CA (#6920)
Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
History of ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $1,706.7 mil
Equity capital: $167.1 mil
Deposits held in domestic offices: $1,536.5 mil
Return on assets (ROA): 0.62% ($10.6 mil)
Quarterly return on assets: 0.79% ($13.5 mil)
Return on Equity (ROE): 6.33% ($10.6 mil)
Quarterly return on equity: 8.04% ($13.4 mil)
Net income: $10.3 mil
Quarterly Net income: $3.3 mil
Pretax return on assets: 0.99% ($16,896.5 mil)
Quarterly Pretax return on assets: 1.15% ($19,627.2 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)
Total employees (full-time equivalent)304
Total assets$1,706,715
Cash and due from depository institutions$161,794
Interest-bearing balances$136,118
Securities$1,065,277
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$423,439
Loan loss allowance $9,728
Trading account assets$0
Bank premises and fixed assets$20,198
Other real estate owned$3,194
Goodwill and other intangibles$155
All other assets$32,658
Life insurance assets$1,706,715
Total liabilities and capital$1,539,606
Total liabilities$1,536,494
Total deposits$1,492,954
Interest-bearing deposits$1,536,494
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,112
All other liabilities $167,109
Total equity capital$167,109
Total bank equity capital$167,109
Perpetual preferred stock$0
Common stock$624
Surplus$81
Undivided profits $166,404
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,490
Earning assets $0
Long-term assets (5+ years) $3,996
Average Assets, year-to-date $1,624,834
Average Assets, quarterly $0
Volatile liabilities $1,665,362
Insider loans $1,697,178
FHLB advances $497,340
Loans and leases held for sale $1,705,741
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $165,247
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $69,559
Derivatives$198
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $49,265
Total interest expense $7,132
Net interest income $42,133
Provision for loan and lease losses $2,124
Total noninterest income $8,952
Fiduciary activities $0
Service charges on deposit accounts $4,081
Trading account gains & fees $0
Additional noninterest income $4,871
Total noninterest expense $30,932
Salaries and employee benefits $17,745
Premises and equipment expense $6,099
Additional noninterest expense $7,088
Pre-tax net operating income $18,029
Securities gains (losses) -$1,476
Applicable income taxes $6,288
Income before extraordinary items $10,265
Extraordinary gains - net $0
Net income attributable to bank $10,265
Net charge-offs $0
Cash dividends $10,265
Sale, conversion, retirement of capital stock, net $1,238
Net operating income $2,482
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.10%
Cost of funding earning assets 0.45%
Net interest margin 2.65%
Noninterest income to earning assets 0.56%
Noninterest expense to earning assets 1.94%
Net operating income to assets 0.67%
Return on assets (ROA) 0.62%
Pretax return on assets 0.99%
Return on equity (ROE) 6.33%
Retained earnings to average equity (YTD only) 4.80%
Net charge-offs to loans 0.28%
Credit loss provision to net charge-offs 171.57%
Efficiency ratio16.28%
Assets per employee$59,785
Cash dividends to net income (YTD only)5.61%
Condition Ratios (%)
Loss allowance to loans 24.18%
Loss allowance to noncurrent loans 2.25%
Noncurrent assets plus other real estate owned to assets 652.89%
Noncurrent loans to loans 0.14%
Net loans and leases to deposits0.34%
Net loans and leases to core deposits 27.56%
Equity capital to assets 28.54%
Core capital (leverage) ratio 9.79%
Tier 1 risk-based capital ratio 9.70%
Total risk-based capital ratio 33.23%
Memoranda
Average assets$34
Average earning assets$1,665,362
Average equity $162,120
Average loans $1,590,691
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32 California Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
043787El Dorado Savings Bank, F.S.b.4040 El Dorado Road, Placerville, CA 95667January 01, 1956Full Service Brick and Mortar
1282724Jackson Branch135 Main St, Jackson, CA 95642January 01, 1956Full Service Brick and Mortar
2282725San Andreas Branch206 E St Charles, San Andreas, CA 95249January 01, 1956Full Service Brick and Mortar
3282726Folsom Branch300 E Bidwell St, Folsom, CA 95630January 01, 1956Full Service Brick and Mortar
5282728Elk Grove Branch9003 Elk Grove Blvd, Elk Grove, CA 95624January 01, 1956Full Service Brick and Mortar
6282729Tahoe Y Branch942 Emerald Bay Rd, South Lake Tahoe, CA 96150January 01, 1956Full Service Brick and Mortar
7282730Citrus Heights Branch7895 Lichen Dr, Citrus Heights, CA 95621January 01, 1956Full Service Brick and Mortar
9282732Carmichael Branch4701 Manzanita Ave, Carmichael, CA 95608January 01, 1956Full Service Brick and Mortar
12282735Pollock Pines Branch6462 Pony Express Trl, Pollock Pines, CA 95726January 01, 1956Full Service Brick and Mortar
13282736Al Tahoe Branch1036 Al Tahoe Blvd, South Lake Tahoe, CA 96151January 01, 1956Full Service Brick and Mortar
15282738Tahoe City Branch740 North Lake Blvd, Tahoe City, CA 96145January 01, 1956Full Service Brick and Mortar
101282739Bijou Branch3443 Lake Tahoe Blvd, South Lake Tahoe, CA 96150January 01, 1956Full Service Brick and Mortar
103282741Sutter Creek Branch460 State Highway 49, Sutter Creek, CA 95685January 01, 1956Full Service Brick and Mortar
104282742West Placerville Branch2888 Ray Lawyer Dr, Placerville, CA 95667January 01, 1956Full Service Brick and Mortar
105282743Bishop Branch515 N Main St, Bishop, CA 93514January 01, 1956Full Service Brick and Mortar
106282744Pine Grove Branch20146 Highway 88, Pine Grove, CA 95665January 01, 1956Full Service Brick and Mortar
108282746El Dorado Hills Branch3963 Park Dr, El Dorado Hills, CA 95762January 01, 1956Full Service Brick and Mortar
111282748Twain Harte Branch22900 Twain Harte Drive, Twain Harte, CA 95383January 01, 1956Full Service Brick and Mortar
112282749Diamond Springs Branch694 Pleasant Valley Rd Ste 3, Diamond Springs, CA 95619January 01, 1956Full Service Brick and Mortar
113282750Arnold Branch1227 Oak Ct, Arnold, CA 95223January 01, 1956Full Service Brick and Mortar
114282751Georgetown Branch6310 Hwy 193, Georgetown, CA 95634January 01, 1956Full Service Brick and Mortar
115282752Lake Of The Pines Branch10612 Combie Rd, Auburn, CA 95602January 01, 1956Full Service Brick and Mortar
11728275455th & Folsom Branch5500 Folsom Blvd, Sacramento, CA 95819January 01, 1956Full Service Brick and Mortar
119282756Grass Valley Branch1751 E Main St, Grass Valley, CA 95945January 01, 1956Full Service Brick and Mortar
120282757Murphys Branch245 Tom Bell Rd, Murphys, CA 95247January 01, 1956Full Service Brick and Mortar
121282758Cameron Park Branch4060 Cameron Park Dr, Shingle Springs, CA 95682June 30, 1986Full Service Brick and Mortar
125282761Downtown Placerville Branch247 Main St., Placerville, CA 95667June 30, 1989Full Service Brick and Mortar
127287941Rancho Murieta Branch7248 Murieta Drive B2, Rancho Murieta, CA 95683June 30, 1987Full Service Brick and Mortar
129282763Plymouth Branch18726 State Highway 49, Plymouth, CA 95669March 01, 1991Full Service Brick and Mortar
13028276448th & J Street Branch4768 J Street, Sacramento, CA 95819June 20, 1994Full Service Brick and Mortar
131197802Lone Pine Branch400 N Main Street, Lone Pine, CA 93545December 24, 1934Full Service Brick and Mortar
133492444Sheldon Branch8973 Grantline Rd Ste 103, Elk Grove, CA 95624Febuary 04, 2008Full Service Brick and Mortar
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3 Nevada Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
128282762Gardnerville Branch1517 Us 395 N, Gardnerville, NV 89410March 01, 1990Full Service Brick and Mortar
134495654Carson City Branch3788 Us Highway 395 S, Carson City, NV 89705January 09, 2006Full Service Brick and Mortar
135495655Sparks Branch5235 Vista Blvd, Sparks, NV 89436May 07, 2007Full Service Brick and Mortar
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