Household Bank (California), National Association in Salinas, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1995

  • Household Bank (California), National Association in Salinas, California (CA)
  • Show street view No street view available for this location

Household Bank (California), National Association - Overview

  • General
  • FDIC Certificate #: 19160
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Household Bank (Nevada), National Association (#33788)
    Federal Reserve ID: 1005468
    Date Established: July 01, 1964
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 12985
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: July 01, 1964
    Last Structure Change Effective Date: April 01, 1995
    Last Structure Change Process Date: August 16, 1995
    Last Data Update: August 16, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1441 Schilling Place, Salinas, CA 93905
    County: Monterey
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Salinas, CA (#7120)
    Core Based Statistical Area (CBSA): Salinas, CA (#41500)
    CBSA Metro Statistical Area: Salinas, CA (#41500)
  • Financial Summary
  • Total assets: $77.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $24Total assets
  • $80,506Cash and due from depository institutions
  • $500Interest-bearing balances
  • $500Securities
  • $366Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $77,828Loan loss allowance
  • $5,376Trading account assets
  • $0Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $952Life insurance assets
  • $860All other assets
  • $0Total liabilities and capital
  • $80,506Total liabilities
  • $65,450Total deposits
  • $1,050Interest-bearing deposits
  • $1,000Deposits held in domestic offices
  • 1050.00%% insured (estimated)
  • $14Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $63,309Subordinated debt
  • $0All other liabilities
  • $1,091Total equity capital
  • $1,091Total bank equity capital
  • $15,056Perpetual preferred stock
  • $0Common stock
  • $2,490Surplus
  • $9,709Undivided profits
  • Memoranda
  • $2,857Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,903Income earned, not collected on loans
  • $655Earning assets
  • $78,694Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $83,503Average Assets, quarterly
  • $80,537Volatile liabilities
  • $1,000Insider loans
  • $126FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $214,392Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,056Total risk weighted assets
  • $80,784Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,684Total interest expense
  • $3,297Net interest income
  • $10,387Provision for loan and lease losses
  • $6,421Total noninterest income
  • $2,147Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,147Total noninterest expense
  • $2,353Salaries and employee benefits
  • $744Premises and equipment expense
  • $0Additional noninterest expense
  • $1,609Pre-tax net operating income
  • $3,760Securities gains (losses)
  • $0Applicable income taxes
  • $1,392Income before extraordinary items
  • $2,368Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,368Net charge-offs
  • $7,621Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 16.73%Cost of funding earning assets
  • 4.03%Net interest margin
  • 12.70%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 2.88%Net operating income to assets
  • 2.84%Return on assets (ROA)
  • 2.84%Pretax return on assets
  • 4.50%Return on equity (ROE)
  • 17.28%Retained earnings to average equity (YTD only)
  • 17.28%Net charge-offs to loans
  • 8.72%Credit loss provision to net charge-offs
  • 84.25%Efficiency ratio
  • 17,999Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.46%Loss allowance to noncurrent loans
  • 185.19%Noncurrent assets plus other real estate owned to assets
  • 3.61%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 7412.19%Net loans and leases to core deposits
  • 155656.00%Equity capital to assets
  • 18.70%Core capital (leverage) ratio
  • 18.92%Tier 1 risk-based capital ratio
  • 18.64%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $83,503Average earning assets
  • $13,701Average equity
  • $81,771Average loans

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