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

This bank is inactive as of Febuary 09, 1998

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

  • General
  • FDIC Certificate #: 22915
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank of California (#32036)
    Federal Reserve ID: 244868
    Date Established: July 30, 1979
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 16022
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 30, 1979
    Last Structure Change Effective Date: Febuary 09, 1998
    Last Structure Change Process Date: March 26, 1998
    Last Data Update: March 26, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 865 Howe Avenue, Suite 310, 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: $190.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 55Total employees (full-time equivalent)
  • $190,814Total assets
  • $8,743Cash and due from depository institutions
  • $0Interest-bearing balances
  • $64,390Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,326Net loans & leases
  • $4,692Loan loss allowance
  • $0Trading account assets
  • $2,016Bank premises and fixed assets
  • $220Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,119All other assets
  • $190,814Total liabilities and capital
  • $175,871Total liabilities
  • $172,737Total deposits
  • $141,502Interest-bearing deposits
  • $172,737Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $880Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $2,254All other liabilities
  • $14,943Total equity capital
  • $14,943Total bank equity capital
  • $14,943Perpetual preferred stock
  • $1,500Common stock
  • $1,179Surplus
  • $10,465Undivided profits
  • Memoranda
  • $1,799Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $435Earning assets
  • $0Long-term assets (5+ years)
  • $820Average Assets, year-to-date
  • $177,716Average Assets, quarterly
  • $1,573Volatile liabilities
  • $167,305Insider loans
  • $185,022FHLB advances
  • $14,770Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $99,129Total unused commitments
  • $0Restructured Loans and leases
  • $139,160Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $13,637Total interest income
  • $5,447Total interest expense
  • $8,190Net interest income
  • $0Provision for loan and lease losses
  • $848Total noninterest income
  • $0Fiduciary activities
  • $587Service charges on deposit accounts
  • $0Trading account gains & fees
  • $261Additional noninterest income
  • $5,824Total noninterest expense
  • $2,007Salaries and employee benefits
  • $1,061Premises and equipment expense
  • $2,756Additional noninterest expense
  • $3,214Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,385Applicable income taxes
  • $1,829Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,829Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$95Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.81%Yield on earning assets
  • 3.52%Cost of funding earning assets
  • 5.29%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • 1.09%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.92%Pretax return on assets
  • 12.98%Return on equity (ROE)
  • 11.56%Retained earnings to average equity (YTD only)
  • -0.09%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,439Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.93%Loss allowance to loans
  • 3.98%Loss allowance to noncurrent loans
  • 1078.62%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 65.61%Net loans and leases to core deposits
  • 71.34%Equity capital to assets
  • 7.83%Core capital (leverage) ratio
  • 7.93%Tier 1 risk-based capital ratio
  • 10.62%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $167,305Average earning assets
  • $14,095Average equity
  • $154,873Average loans

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