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


  • Fremont Bank in Fremont, California (CA)
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Fremont Bank - Overview

  • General
  • FDIC Certificate #: 19222
    Status: Active
    Federal Reserve ID: 739560
    Bank Holding Company (Regulatory Top Holder): Fremont Bancorporation (RSSDID: 1026801, Location: Fremont, CA)
    Date Established: September 03, 1964
    WWW: http://www.fremontbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: No)
    OTS Docket #: 9846
    FDIC's unique #: 13040
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 03, 1964
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 39150 Fremont Boulevard, Fremont, CA 94538
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $2,367.9 mil
    Equity capital: $242.7 mil
    Deposits held in domestic offices: $1,975.1 mil
    Return on assets (ROA): 2.03% ($48.1 mil)
    Quarterly return on assets: 3.14% ($74.4 mil)
    Return on Equity (ROE): 21.39% ($52.0 mil)
    Quarterly return on equity: 31.72% ($77.1 mil)
    Net income: $49.1 mil
    Quarterly Net income: $18.8 mil
    Pretax return on assets: 2.11% ($49,961.7 mil)
    Quarterly Pretax return on assets: 3.25% ($76,955.2 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
  • 761Total employees (full-time equivalent)
  • $2,367,851Total assets
  • $315,472Cash and due from depository institutions
  • $286,577Interest-bearing balances
  • $122,988Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,794,632Net loans & leases
  • $43,776Loan loss allowance
  • $0Trading account assets
  • $29,197Bank premises and fixed assets
  • $12,380Other real estate owned
  • $12,312Goodwill and other intangibles
  • $2,367,851Life insurance assets
  • $80,870All other assets
  • $2,125,104Total liabilities and capital
  • $1,975,108Total liabilities
  • $1,252,725Total deposits
  • $1,975,108Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $111,148Trading liabilities
  • $0Other borrowed funds
  • $38,848Subordinated debt
  • $242,747All other liabilities
  • $242,747Total equity capital
  • $242,747Total bank equity capital
  • $0Perpetual preferred stock
  • $1,600Common stock
  • $47,703Surplus
  • $193,444Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $235,822Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $31,552Income earned, not collected on loans
  • $0Earning assets
  • $5,226Long-term assets (5+ years)
  • $2,204,197Average Assets, year-to-date
  • $547,296Average Assets, quarterly
  • $2,416,712Volatile liabilities
  • $2,394,940Insider loans
  • $1,661,680FHLB advances
  • $2,407,492Loans and leases held for sale
  • $34,449Unused loan commitments
  • $20,931Tier 1 (core) risk-based capital
  • $234,868Tier 2 risk-based capital
  • $13,518Total risk weighted assets
  • $0Total unused commitments
  • $581,259Restructured Loans and leases
  • $3,154Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $100,152Total interest income
  • $11,283Total interest expense
  • $88,869Net interest income
  • $9,038Provision for loan and lease losses
  • $72,621Total noninterest income
  • $642Fiduciary activities
  • $4,996Service charges on deposit accounts
  • $0Trading account gains & fees
  • $66,983Additional noninterest income
  • $107,224Total noninterest expense
  • $57,805Salaries and employee benefits
  • $13,830Premises and equipment expense
  • $35,589Additional noninterest expense
  • $45,228Pre-tax net operating income
  • $5,765Securities gains (losses)
  • $1,847Applicable income taxes
  • $49,146Income before extraordinary items
  • $0Extraordinary gains - net
  • $49,146Net income attributable to bank
  • $0Net charge-offs
  • $49,146Cash dividends
  • $7,765Sale, conversion, retirement of capital stock, net
  • $20,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 3.96%Net interest margin
  • 3.24%Noninterest income to earning assets
  • 4.78%Noninterest expense to earning assets
  • 1.80%Net operating income to assets
  • 2.03%Return on assets (ROA)
  • 2.11%Pretax return on assets
  • 21.39%Return on equity (ROE)
  • 12.64%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 116.39%Credit loss provision to net charge-offs
  • 6.99%Efficiency ratio
  • 66,397Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.90%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 138.74%Noncurrent assets plus other real estate owned to assets
  • 1.86%Noncurrent loans to loans
  • 1.72%Net loans and leases to deposits
  • 90.86%Net loans and leases to core deposits
  • 101.43%Equity capital to assets
  • 10.25%Core capital (leverage) ratio
  • 9.76%Tier 1 risk-based capital ratio
  • 14.13%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,416,712Average earning assets
  • $229,780Average equity
  • $2,242,611Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $61,933Managed Assets
  • 1Number of Accounts
  • $52,929Personal trust and agency accounts
  • $39,987Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $268Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $9,222Other fiduciary accounts
  • $3,452Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 123Number of Accounts
  • $0Personal trust and agency accounts
  • $268Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $9,004Other retirement accounts
  • $200Corporate trust and agency accounts
  • $8,804Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

Bank Assets Sold and Securitized (December 31, 2011)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $01-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans
  • $89,050All other loans and all leases
  • Recoveries on Assets Sold and Securitized (included in principal balance and YTD only)
  • $9,3911-4 family residential loans
  • $0>Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans
  • $109,055All other loans and all leases

List of branches

  • 19 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013040Fremont Bank39150 Fremont Boulevard, Fremont, CA 94538September 03, 1964Full Service Brick and Mortar
    2247656Brookvale Branch3909a Decoto Road, Fremont, CA 94536October 01, 1970Full Service Brick and Mortar
    3247657Alvarado Branch32000 Alvarado Boulevard, Union City, CA 94587August 15, 1979Full Service Brick and Mortar
    5247658San Leandro Branch1480 East 14th Street, San Leandro, CA 94577October 31, 1981Full Service Brick and Mortar
    7247660Mission Valley Branch40031 Mission Boulevard, Fremont, CA 94539May 01, 1984Full Service Brick and Mortar
    8247661Warm Springs Branch46635 Mission Boulevard, Fremont, CA 94539December 12, 1985Full Service Brick and Mortar
    11247664Castro Valley Branch3549 Castro Valley Boulevard, Castro Valley, CA 94546December 19, 1989Full Service Brick and Mortar
    17247670Newark Branch5829 Jarvis Avenue-Suite C, Newark, CA 94560June 21, 1991Full Service Brick and Mortar
    19247672Koll Center Parkway Branch6654 K0ll Center Parkway, Suite 345, Pleasanton, CA 94566November 01, 1996Full Service Brick and Mortar
    20247673San Ramon Valley Branch21001 San Ramon Valley Blvd,suite D3, San Ramon, CA 94583March 16, 1998Full Service Brick and Mortar
    21247674Downtown Danville Branch210 Railroad Avenue, Danville, CA 94526Febuary 08, 1999Full Service Brick and Mortar
    22247675San Jose Branch160 West Santa Clara St - Suite 100, San Jose, CA 95113October 05, 1998Full Service Brick and Mortar
    24295008Carmel Branch26356 Carmel Rancho Lane, Carmel, CA 93923July 26, 1999Full Service Brick and Mortar
    26363589Walnut Creek1735 N. Broadway, Walnut Creek, CA 94596May 06, 2002Full Service Brick and Mortar
    27422312Www.Fremontbank.com Branch25151 Clawiter Rd, Hayward, CA 94545July 01, 2002Full Service Cyber
    28422918South Livermore Branch1879 Holmes Street, Livermore, CA 94550August 04, 2003Full Service Brick and Mortar
    29426576Mission Bay Branch200 Townsend Street, San Francisco, CA 94105December 01, 2003Full Service Brick and Mortar
    30431089Brentwood Branch200 Sand Creek Road - Suite F, Brentwood, CA 94513Febuary 04, 2004Full Service Brick and Mortar
    31431090Hayward Branch1679 Industrial Parkway West, Hayward, CA 94544March 01, 2004Full Service Brick and Mortar

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