Fireside Bank in Pleasanton, California (CA)

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Fireside Bank
GeneralFDIC Certificate #: 25667
Status: Inactive
Federal Reserve ID: 612364
Date Established: December 31, 1950
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 17568
Numeric code: 23
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: October 05, 1984
Last Structure Change Effective Date: March 30, 2012
Last Structure Change Process Date: April 04, 2012
Last Data Update: April 04, 2012
Data Source Date: April 05, 2012
LocationAddress: 5050 Hopyard Road, Suite 200, Pleasanton, CA 94588
County: Alameda
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): 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)
History of ChangesOther Liquidations and Closings
Change in Insurance Status
Financial SummaryTotal assets: $25.9 mil
Equity capital: $16.1 mil
Deposits held in domestic offices: $0.0 mil
Return on assets (ROA): 4.44% ($1.2 mil)
Quarterly return on assets: -0.35% (-$0.1 mil)
Return on Equity (ROE): 6.86% ($1.1 mil)
Quarterly return on equity: -0.37% (-$0.1 mil)
Net income: $14.4 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 7.14% ($1,849.4 mil)
Quarterly Pretax return on assets: 2.25% ($582.8 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)191
Total assets$25,902
Cash and due from depository institutions$16,070
Interest-bearing balances$14,000
Federal funds sold & reverse repurchase agreements$1,066
Net loans & leases$0
Loan loss allowance $0
Trading account assets$0
Bank premises and fixed assets$36
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$5,392
Life insurance assets$25,902
Total liabilities and capital$9,785
Total liabilities$0
Total deposits$0
Interest-bearing deposits$0
Deposits held in domestic offices$0
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $9,785
All other liabilities $16,117
Total equity capital$16,117
Total bank equity capital$16,117
Perpetual preferred stock$0
Common stock$4,550
Undivided profits $27
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 $0
Earning assets $0
Long-term assets (5+ years) $16
Average Assets, year-to-date $18,404
Average Assets, quarterly $3,285
Volatile liabilities $325,132
Insider loans $152,166
FHLB advances $5,106
Loans and leases held for sale $24,582
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,409
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $32,433
Total interest expense $14,661
Net interest income $17,772
Provision for loan and lease losses -$41,978
Total noninterest income $5,771
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $5,771
Total noninterest expense $42,758
Salaries and employee benefits $29,965
Premises and equipment expense $2,295
Additional noninterest expense $10,498
Pre-tax net operating income $22,763
Securities gains (losses) $440
Applicable income taxes $8,761
Income before extraordinary items $14,442
Extraordinary gains - net $0
Net income attributable to bank $14,442
Net charge-offs $0
Cash dividends $14,442
Sale, conversion, retirement of capital stock, net -$21,105
Net operating income $133,748
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets10.57%
Cost of funding earning assets 4.78%
Net interest margin 5.79%
Noninterest income to earning assets 1.88%
Noninterest expense to earning assets 13.94%
Net operating income to assets 4.36%
Return on assets (ROA) 4.44%
Pretax return on assets 7.14%
Return on equity (ROE) 6.86%
Retained earnings to average equity (YTD only) -56.68%
Net charge-offs to loans -11.15%
Credit loss provision to net charge-offs 198.90%
Efficiency ratio0.00%
Assets per employee$181,617
Cash dividends to net income (YTD only)0.14%
Condition Ratios (%)
Loss allowance to loans 926.10%
Loss allowance to noncurrent loans 0.00%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 0.00%
Equity capital to assets 0.00%
Core capital (leverage) ratio 62.22%
Tier 1 risk-based capital ratio 58.62%
Total risk-based capital ratio 282.20%
Average assets$282
Average earning assets$325,132
Average equity $210,503
Average loans $306,836
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