Exchange Bank in Santa Rosa, California (CA)



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Exchange Bank
GeneralFDIC 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
WWW: http://www.exchangebank.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)399
Total assets$1,575,425
Cash and due from depository institutions$94,122
Interest-bearing balances$61,609
Securities$345,156
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,021,003
Loan loss allowance $31,751
Trading account assets$0
Bank premises and fixed assets$17,772
Other real estate owned$8,781
Goodwill and other intangibles$0
All other assets$88,591
Life insurance assets$1,575,425
Total liabilities and capital$1,412,407
Total liabilities$1,350,887
Total deposits$883,948
Interest-bearing deposits$1,350,887
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$29,000
Other borrowed funds $12,000
Subordinated debt $20,520
All other liabilities $163,018
Total equity capital$163,018
Total bank equity capital$163,018
Perpetual preferred stock$44,290
Common stock$4,291
Surplus$46,026
Undivided profits $68,411
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,793
Income earned, not collected on loans $39,672
Earning assets $0
Long-term assets (5+ years) $7,123
Average Assets, year-to-date $1,427,768
Average Assets, quarterly $410,943
Volatile liabilities $1,530,683
Insider loans $1,563,094
FHLB advances $1,203,435
Loans and leases held for sale $1,559,595
Unused loan commitments $35,329
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $155,647
Total risk weighted assets $33,907
Total unused commitments $1,422
Restructured Loans and leases $188,267
Derivatives$17,049
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $70,851
Total interest expense $4,845
Net interest income $66,006
Provision for loan and lease losses $12,550
Total noninterest income $20,822
Fiduciary activities $4,685
Service charges on deposit accounts $7,453
Trading account gains & fees $0
Additional noninterest income $8,684
Total noninterest expense $56,664
Salaries and employee benefits $28,646
Premises and equipment expense $7,345
Additional noninterest expense $20,673
Pre-tax net operating income $17,614
Securities gains (losses) $0
Applicable income taxes $5,436
Income before extraordinary items $12,178
Extraordinary gains - net $0
Net income attributable to bank $12,178
Net charge-offs $0
Cash dividends $12,178
Sale, conversion, retirement of capital stock, net $13,943
Net operating income $2,344
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.19%
Cost of funding earning assets 0.35%
Net interest margin 4.83%
Noninterest income to earning assets 1.52%
Noninterest expense to earning assets 4.15%
Net operating income to assets 0.80%
Return on assets (ROA) 0.80%
Pretax return on assets 1.15%
Return on equity (ROE) 7.50%
Retained earnings to average equity (YTD only) 6.06%
Net charge-offs to loans 1.32%
Credit loss provision to net charge-offs 90.01%
Efficiency ratio2.16%
Assets per employee$65,260
Cash dividends to net income (YTD only)3.95%
Condition Ratios (%)
Loss allowance to loans 19.25%
Loss allowance to noncurrent loans 3.02%
Noncurrent assets plus other real estate owned to assets 80.03%
Noncurrent loans to loans 3.08%
Net loans and leases to deposits3.77%
Net loans and leases to core deposits 75.58%
Equity capital to assets 78.76%
Core capital (leverage) ratio 10.35%
Tier 1 risk-based capital ratio 9.98%
Total risk-based capital ratio 12.93%
Memoranda
Average assets$15
Average earning assets$1,530,683
Average equity $162,361
Average loans $1,365,979
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$679,553
Number of Accounts1
Personal trust and agency accounts$398,499
Employee benefit-defined contribution accounts$257,194
Employee benefit-defined benefit accounts$19,015
Other retirement accounts$48,178
Corporate trust and agency accounts$39,551
Investment management agency accounts$0
Other fiduciary accounts$14,110
Fiduciary accounts held in foreign offices$20,451
Non-managed Assets$0
Number of Accounts742
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$37,146
Employee benefit-defined benefit accounts$0
Other retirement accounts$281,054
Corporate trust and agency accounts$49,951
Other fiduciary accounts$125,680
Fiduciary accounts held in foreign offices$25,798
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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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