FDIC Certificate #: 33341 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens Business Bank (#21716) Federal Reserve ID: 1864227 Date Established: March 07, 1991 WWW:http://www.kaweahnb.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) FDIC's unique #: 46919 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: March 07, 1991 Last Structure Change Effective Date: September 19, 2003 Last Structure Change Process Date: October 28, 2003 Last Data Update: October 28, 2003 Data Source Date: April 05, 2012
Location
Address: 500 West Main Street, Visalia, CA 93278 County: Tulare 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): Visalia-Tulare-Porterville, CA (#8780) Core Based Statistical Area (CBSA): Visalia-Porterville, CA (#47300) CBSA Metro Statistical Area: Visalia-Porterville, CA (#47300)
Financial Summary
Total assets: $91.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
55Total employees (full-time equivalent)
$84,952Total assets
$4,087Cash and due from depository institutions
$136Interest-bearing balances
$7,324Securities
$1,350Federal funds sold & reverse repurchase agreements
$68,239Net loans & leases
$681Loan loss allowance
$0Trading account assets
$723Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,229All other assets
$84,952Total liabilities and capital
$78,226Total liabilities
$73,791Total deposits
$56,397Interest-bearing deposits
$73,791Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,000Other borrowed funds
$0Subordinated debt
$435All other liabilities
$6,726Total equity capital
$6,726Total bank equity capital
$6,726Perpetual preferred stock
$0Common stock
$2,335Surplus
$3,154Undivided profits
Memoranda
$1,237Noncurrent loans and leases
$14,776Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$259Earning assets
$0Long-term assets (5+ years)
$314Average Assets, year-to-date
$77,049Average Assets, quarterly
$36,166Volatile liabilities
$81,834Insider loans
$84,984FHLB advances
$11,658Loans and leases held for sale
$344Unused loan commitments
$4,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,670Total risk weighted assets
$14,776Total unused commitments
$0Restructured Loans and leases
$681Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$6,136Total interest income
$1,095Total interest expense
$5,041Net interest income
$144Provision for loan and lease losses
$1,043Total noninterest income
$0Fiduciary activities
$465Service charges on deposit accounts
$0Trading account gains & fees
$578Additional noninterest income
$4,273Total noninterest expense
$2,481Salaries and employee benefits
$727Premises and equipment expense
$1,065Additional noninterest expense
$1,667Pre-tax net operating income
$0Securities gains (losses)
$612Applicable income taxes
$1,055Income before extraordinary items
$0Extraordinary gains - net
$1,055Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$31Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.33%Yield on earning assets
1.49%Cost of funding earning assets
6.85%Net interest margin
1.42%Noninterest income to earning assets
5.80%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
2.04%Pretax return on assets
17.03%Return on equity (ROE)
17.03%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
464.52%Credit loss provision to net charge-offs
58.42%Efficiency ratio
70,233Assets per employee
1.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
262.93%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.38%Net loans and leases to deposits
92.48%Net loans and leases to core deposits
106.40%Equity capital to assets
7.92%Core capital (leverage) ratio
7.79%Tier 1 risk-based capital ratio
9.69%Total risk-based capital ratio
Memoranda
$11Average assets
$81,834Average earning assets
$6,195Average equity
$73,631Average loans
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