Exchange Bank in Santa Rosa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Exchange Bank in Santa Rosa, California (CA)
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Exchange Bank - Overview

  • General
  • FDIC Certificate #: 8468
    Status: Active
    Federal Reserve ID: 507068
    Bank Holding Company (Regulatory Top Holder): Frank P. Doyle Trust, Article Ix (RSSDID: 1025998, Location: Santa Rosa, CA)
    Date Established: May 01, 1890
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 21 (Domestic: 21, Interstate: No)
    FDIC's unique #: 5386
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 16, 2010
    Last Structure Change Process Date: Febuary 16, 2010
    Last Data Update: Febuary 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 545 Fourth Street, Santa Rosa, CA 95401
    County: Sonoma
    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): Santa Rosa, CA (#7500)
    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): Santa Rosa-Petaluma, CA (#42220)
    CBSA Metro Statistical Area: Santa Rosa-Petaluma, CA (#42220)
  • Financial Summary
  • Total assets: $1,575.4 mil
    Equity capital: $163.0 mil
    Deposits held in domestic offices: $1,350.9 mil
    Return on assets (ROA): 0.80% ($12.6 mil)
    Quarterly return on assets: 0.81% ($12.8 mil)
    Return on Equity (ROE): 7.50% ($12.2 mil)
    Quarterly return on equity: 7.68% ($12.5 mil)
    Net income: $12.2 mil
    Quarterly Net income: $3.2 mil
    Pretax return on assets: 1.15% ($18,117.4 mil)
    Quarterly Pretax return on assets: 1.21% ($19,062.6 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
  • 399Total employees (full-time equivalent)
  • $1,575,425Total assets
  • $94,122Cash and due from depository institutions
  • $61,609Interest-bearing balances
  • $345,156Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,021,003Net loans & leases
  • $31,751Loan loss allowance
  • $0Trading account assets
  • $17,772Bank premises and fixed assets
  • $8,781Other real estate owned
  • $0Goodwill and other intangibles
  • $1,575,425Life insurance assets
  • $88,591All other assets
  • $1,412,407Total liabilities and capital
  • $1,350,887Total liabilities
  • $883,948Total deposits
  • $1,350,887Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,000Trading liabilities
  • $12,000Other borrowed funds
  • $20,520Subordinated debt
  • $163,018All other liabilities
  • $163,018Total equity capital
  • $163,018Total bank equity capital
  • $44,290Perpetual preferred stock
  • $4,291Common stock
  • $46,026Surplus
  • $68,411Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,793Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $39,672Income earned, not collected on loans
  • $0Earning assets
  • $7,123Long-term assets (5+ years)
  • $1,427,768Average Assets, year-to-date
  • $410,943Average Assets, quarterly
  • $1,530,683Volatile liabilities
  • $1,563,094Insider loans
  • $1,203,435FHLB advances
  • $1,559,595Loans and leases held for sale
  • $35,329Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $155,647Tier 2 risk-based capital
  • $33,907Total risk weighted assets
  • $1,422Total unused commitments
  • $188,267Restructured Loans and leases
  • $17,049Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $70,851Total interest income
  • $4,845Total interest expense
  • $66,006Net interest income
  • $12,550Provision for loan and lease losses
  • $20,822Total noninterest income
  • $4,685Fiduciary activities
  • $7,453Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,684Additional noninterest income
  • $56,664Total noninterest expense
  • $28,646Salaries and employee benefits
  • $7,345Premises and equipment expense
  • $20,673Additional noninterest expense
  • $17,614Pre-tax net operating income
  • $0Securities gains (losses)
  • $5,436Applicable income taxes
  • $12,178Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,178Net income attributable to bank
  • $0Net charge-offs
  • $12,178Cash dividends
  • $13,943Sale, conversion, retirement of capital stock, net
  • $2,344Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 4.83%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 7.50%Return on equity (ROE)
  • 6.06%Retained earnings to average equity (YTD only)
  • 1.32%Net charge-offs to loans
  • 90.01%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 65,260Assets per employee
  • 3.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.25%Loss allowance to loans
  • 3.02%Loss allowance to noncurrent loans
  • 80.03%Noncurrent assets plus other real estate owned to assets
  • 3.08%Noncurrent loans to loans
  • 3.77%Net loans and leases to deposits
  • 75.58%Net loans and leases to core deposits
  • 78.76%Equity capital to assets
  • 10.35%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 12.93%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,530,683Average earning assets
  • $162,361Average equity
  • $1,365,979Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $679,553Managed Assets
  • 1Number of Accounts
  • $398,499Personal trust and agency accounts
  • $257,194Employee benefit-defined contribution accounts
  • $19,015Employee benefit-defined benefit accounts
  • $48,178Other retirement accounts
  • $39,551Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $14,110Other fiduciary accounts
  • $20,451Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 742Number of Accounts
  • $0Personal trust and agency accounts
  • $37,146Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $281,054Other retirement accounts
  • $49,951Corporate trust and agency accounts
  • $125,680Other fiduciary accounts
  • $25,798Fiduciary accounts held in foreign offices

List of branches

  • 21 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05386Exchange Bank545 Fourth Street, Santa Rosa, CA 95401May 01, 1890Full Service Brick and Mortar
    1218543Windsor Branch8700 Lakewood Drive, Windsor, CA 95492March 01, 1925Full Service Brick and Mortar
    2218544Cotati Branch8220 Old Redwood Highway, Cotati, CA 94931December 29, 1941Full Service Brick and Mortar
    3218545Rohnert Park Branch6290 Commerce Boulevard, Rohnert Park, CA 94928November 02, 1964Full Service Brick and Mortar
    4218546Montgomery Village Branch2416 Montgomery Drive, Santa Rosa, CA 95405July 02, 1951Full Service Brick and Mortar
    5218547College Branch2201 Mendocino Avenue, Santa Rosa, CA 95403June 29, 1959Full Service Brick and Mortar
    6218548St. Francis Branch136 Calistoga Road, Santa Rosa, CA 95409March 07, 1966Full Service Brick and Mortar
    7218549Larkfield Branch500 Larkfield Center, Santa Rosa, CA 95403January 06, 1964Full Service Brick and Mortar
    8218550Dutton Branch400 Dutton Avenue, Santa Rosa, CA 95407August 03, 1950Full Service Brick and Mortar
    9218551Coddingtown Branch1300 Guerneville Road, Santa Rosa, CA 95403July 06, 1971Full Service Brick and Mortar
    10218552Golden Eagle Branch2 East Washington Street, Petaluma, CA 94952June 25, 1973Full Service Brick and Mortar
    12218554Bennett Vally Branch2727 Yulupa Avenue, Santa Rosa, CA 95405January 02, 1975Full Service Brick and Mortar
    13218555Sonoma Branch435 West Napa Street, Sonoma, CA 95476March 26, 1979Full Service Brick and Mortar
    14218556Stony Point Branch499 Stony Point Road, Santa Rosa, CA 95401June 14, 1982Full Service Brick and Mortar
    15218557Healdsburg Branch1031 Vine Street, Healdsburg, CA 95448January 05, 1987Full Service Brick and Mortar
    16218558Sebastopol Branch720 Gravenstein Highway North, Sebastopol, CA 95472December 11, 1995Full Service Brick and Mortar
    17197606Cloverdale Branch116 South Cloverdale Boulevard, Cloverdale, CA 95425December 23, 1934Full Service Brick and Mortar
    18218559Andrew J. Shepard Branch444 Aviation Boulevard, Santa Rosa, CA 95403January 01, 1997Limited Service Loan Production
    20364009Parkway Plaza Branch701 Sonoma Mountain Parkway, Suite D-2, Petaluma, CA 94954July 01, 2002Full Service Brick and Mortar
    21442405Rancho Cordova Branch3320 Data Drive, Suite 300, Rancho Cordova, CA 95670July 01, 2004Limited Service Loan Production
    22450323Roseville Branch1420 Rocky Ridge Drive, Roseville, CA 95661March 27, 2006Full Service Brick and Mortar

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