Fireside Bank in Pleasanton, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 30, 2012

  • Fireside Bank in Pleasanton, California (CA)
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Fireside Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Other Liquidations and Closings
    Change in Insurance Status
  • Financial Summary
  • Total 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
  • 191Total employees (full-time equivalent)
  • $25,902Total assets
  • $16,070Cash and due from depository institutions
  • $14,000Interest-bearing balances
  • $3,338Securities
  • $1,066Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $36Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $25,902Life insurance assets
  • $5,392All other assets
  • $9,785Total liabilities and capital
  • $0Total liabilities
  • $0Total deposits
  • $0Interest-bearing deposits
  • $0Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $9,785Subordinated debt
  • $16,117All other liabilities
  • $16,117Total equity capital
  • $16,117Total bank equity capital
  • $0Perpetual preferred stock
  • $4,550Common stock
  • $11,540Surplus
  • $27Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $16Long-term assets (5+ years)
  • $18,404Average Assets, year-to-date
  • $3,285Average Assets, quarterly
  • $325,132Volatile liabilities
  • $152,166Insider loans
  • $5,106FHLB advances
  • $24,582Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,409Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,433Total interest income
  • $14,661Total interest expense
  • $17,772Net interest income
  • -$41,978Provision for loan and lease losses
  • $5,771Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,771Additional noninterest income
  • $42,758Total noninterest expense
  • $29,965Salaries and employee benefits
  • $2,295Premises and equipment expense
  • $10,498Additional noninterest expense
  • $22,763Pre-tax net operating income
  • $440Securities gains (losses)
  • $8,761Applicable income taxes
  • $14,442Income before extraordinary items
  • $0Extraordinary gains - net
  • $14,442Net income attributable to bank
  • $0Net charge-offs
  • $14,442Cash dividends
  • -$21,105Sale, conversion, retirement of capital stock, net
  • $133,748Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 10.57%Yield on earning assets
  • 4.78%Cost of funding earning assets
  • 5.79%Net interest margin
  • 1.88%Noninterest income to earning assets
  • 13.94%Noninterest expense to earning assets
  • 4.36%Net operating income to assets
  • 4.44%Return on assets (ROA)
  • 7.14%Pretax return on assets
  • 6.86%Return on equity (ROE)
  • -56.68%Retained earnings to average equity (YTD only)
  • -11.15%Net charge-offs to loans
  • 198.90%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 181,617Assets per employee
  • 0.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 926.10%Loss allowance to loans
  • 0.00%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 deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 62.22%Core capital (leverage) ratio
  • 58.62%Tier 1 risk-based capital ratio
  • 282.20%Total risk-based capital ratio
  • Memoranda
  • $282Average assets
  • $325,132Average earning assets
  • $210,503Average equity
  • $306,836Average loans

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