First Bank of California in Sacramento, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 2000

  • First Bank of California in Sacramento, California (CA)
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First Bank of California - Overview

  • General
  • FDIC Certificate #: 32036
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank & Trust (#18678)
    Federal Reserve ID: 693961
    Date Established: August 26, 1980
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Interstate: No)
    OTS Docket #: 15614
    FDIC's unique #: 44870
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 26, 1980
    Last Structure Change Effective Date: November 01, 2000
    Last Structure Change Process Date: December 20, 2000
    Last Data Update: December 20, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 865 Howe Avenue, Sacramento, CA 95825
    County: Sacramento
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    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)
  • Financial Summary
  • Total assets: $575.4 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 115Total employees (full-time equivalent)
  • $431,591Total assets
  • $11,072Cash and due from depository institutions
  • $17Interest-bearing balances
  • $20,744Securities
  • $900Federal funds sold & reverse repurchase agreements
  • $371,398Net loans & leases
  • $8,233Loan loss allowance
  • $0Trading account assets
  • $5,644Bank premises and fixed assets
  • $60Other real estate owned
  • $7,138Goodwill and other intangibles
  • $0Life insurance assets
  • $14,635All other assets
  • $431,591Total liabilities and capital
  • $383,600Total liabilities
  • $368,117Total deposits
  • $314,357Interest-bearing deposits
  • $368,117Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $14,371Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,112All other liabilities
  • $47,991Total equity capital
  • $47,991Total bank equity capital
  • $47,991Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $40,633Undivided profits
  • Memoranda
  • $7,258Noncurrent loans and leases
  • $165,390Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,392Earning assets
  • $47Long-term assets (5+ years)
  • $2,362Average Assets, year-to-date
  • $393,059Average Assets, quarterly
  • $10,521Volatile liabilities
  • $413,024Insider loans
  • $426,930FHLB advances
  • $58,136Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $120,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $165,390Total unused commitments
  • $0Restructured Loans and leases
  • $5,394Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $33,928Total interest income
  • $12,285Total interest expense
  • $21,643Net interest income
  • $110Provision for loan and lease losses
  • $3,793Total noninterest income
  • $0Fiduciary activities
  • $1,357Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,436Additional noninterest income
  • $15,109Total noninterest expense
  • $5,008Salaries and employee benefits
  • $2,186Premises and equipment expense
  • $7,915Additional noninterest expense
  • $10,217Pre-tax net operating income
  • $88Securities gains (losses)
  • $3,972Applicable income taxes
  • $6,333Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,333Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$45Sale, conversion, retirement of capital stock, net
  • $1,750Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.16%Yield on earning assets
  • 3.32%Cost of funding earning assets
  • 5.84%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 4.08%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 2.50%Pretax return on assets
  • 14.20%Return on equity (ROE)
  • 10.27%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -244.44%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 57,104Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.63%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 187.45%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 100.89%Net loans and leases to core deposits
  • 114.50%Equity capital to assets
  • 11.12%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 9.56%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $413,024Average earning assets
  • $44,610Average equity
  • $370,530Average loans

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