Kaweah National Bank in Visalia, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 19, 2003

  • Kaweah National Bank in Visalia, California (CA)
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Kaweah National Bank - Overview

  • General
  • 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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