Gold Pacific Bank, National Association in Marysville, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Gold Pacific Bank, National Association - Overview

  • General
  • FDIC Certificate #: 26881
    Status: Active
    Federal Reserve ID: 962966
    Bank Holding Company (Regulatory Top Holder): Golden Pacific Bancorp, Inc. (RSSDID: 2930419, Location: Sacramento, CA)
    Date Established: December 29, 1986
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 13877
    FDIC's unique #: 36178
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 29, 1986
    Last Structure Change Effective Date: January 02, 2012
    Last Structure Change Process Date: April 03, 2012
    Last Data Update: April 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 519 "d" Street, Marysville, CA 95901
    County: Yuba
    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): Yuba City, CA (#9340)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Yuba City, CA (#49700)
    CBSA Metro Statistical Area: Yuba City, CA (#49700)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $130.9 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $118.3 mil
    Return on assets (ROA): -1.63% (-$2.1 mil)
    Quarterly return on assets: 0.05% ($0.1 mil)
    Return on Equity (ROE): -17.43% (-$1.9 mil)
    Quarterly return on equity: 0.53% ($0.1 mil)
    Net income: -$2.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -1.63% (-$2,133.1 mil)
    Quarterly Pretax return on assets: 0.05% ($65.4 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
  • 75Total employees (full-time equivalent)
  • $130,865Total assets
  • $20,742Cash and due from depository institutions
  • $18,806Interest-bearing balances
  • $5,122Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $93,439Net loans & leases
  • $980Loan loss allowance
  • $0Trading account assets
  • $4,527Bank premises and fixed assets
  • $72Other real estate owned
  • $627Goodwill and other intangibles
  • $130,865Life insurance assets
  • $6,336All other assets
  • $119,408Total liabilities and capital
  • $118,344Total liabilities
  • $70,243Total deposits
  • $118,344Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,064Subordinated debt
  • $11,457All other liabilities
  • $11,457Total equity capital
  • $11,457Total bank equity capital
  • $0Perpetual preferred stock
  • $5,268Common stock
  • $10,500Surplus
  • $-4,311Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,427Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,233Income earned, not collected on loans
  • $0Earning assets
  • $547Long-term assets (5+ years)
  • $117,367Average Assets, year-to-date
  • $40,544Average Assets, quarterly
  • $126,018Volatile liabilities
  • $129,514Insider loans
  • $89,669FHLB advances
  • $127,363Loans and leases held for sale
  • $1,557Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,775Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,557Total unused commitments
  • $6,358Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,788Total interest income
  • $339Total interest expense
  • $6,449Net interest income
  • $815Provision for loan and lease losses
  • $2,376Total noninterest income
  • $0Fiduciary activities
  • $555Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,821Additional noninterest income
  • $10,131Total noninterest expense
  • $5,188Salaries and employee benefits
  • $1,400Premises and equipment expense
  • $3,543Additional noninterest expense
  • -$2,121Pre-tax net operating income
  • $64Securities gains (losses)
  • $2Applicable income taxes
  • -$2,059Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,059Net income attributable to bank
  • $0Net charge-offs
  • -$2,059Cash dividends
  • $601Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.93%Yield on earning assets
  • 0.30%Cost of funding earning assets
  • 5.63%Net interest margin
  • 2.07%Noninterest income to earning assets
  • 8.84%Noninterest expense to earning assets
  • -1.68%Net operating income to assets
  • -1.63%Return on assets (ROA)
  • -1.63%Pretax return on assets
  • -17.43%Return on equity (ROE)
  • -17.43%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 135.61%Credit loss provision to net charge-offs
  • -2.17%Efficiency ratio
  • 113,462Assets per employee
  • 1.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 79.48%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 78.96%Net loans and leases to core deposits
  • 83.75%Equity capital to assets
  • 8.75%Core capital (leverage) ratio
  • 8.46%Tier 1 risk-based capital ratio
  • 12.02%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $126,018Average earning assets
  • $11,812Average equity
  • $114,560Average loans

List of branches

  • 8 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036178Gold Pacific Bank, National Association519 'd' Street, Marysville, CA 95901December 29, 1986Full Service Brick and Mortar
    2260406Live Oak Branch9960 Live Oak Blvd, Live Oak, CA 95953June 05, 1989Full Service Brick and Mortar
    3260407Messenger Service Branch16850 Willow Glen Road, Brownsville, CA 95919August 25, 1993Limited Service Messenger
    4260408Brownsville Branch 0116850 Willow Glen Rd, Brownsville, CA 95919September 23, 1993Full Service Brick and Mortar
    5260409Yuba City Branch 04620 N. Walton Ave, Yuba City, CA 95993January 24, 1996Full Service Brick and Mortar
    6260410Gridley Branch 05567 Virginia Street, Ste H, Gridley, CA 95948Febuary 09, 1998Full Service Brick and Mortar
    8510317Sacramento Branch980 9th Street, Suite 2320, Sacramento, CA 95814June 01, 2010Full Service Brick and Mortar
    9510959Sacramento Office Branch980 Ninth Street Ste 100, Sacramento, CA 95814June 01, 2010Full Service Brick and Mortar

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