Kings River State Bank in Reedley, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 24, 2001

  • Kings River State Bank in Reedley, California (CA)
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Kings River State Bank - Overview

  • General
  • FDIC Certificate #: 22638
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Rabobank, National Association (#23364)
    Federal Reserve ID: 868264
    Date Established: April 24, 1978
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 14758
    FDIC's unique #: 15794
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 24, 1978
    Last Structure Change Effective Date: May 24, 2001
    Last Structure Change Process Date: June 14, 2001
    Last Data Update: June 14, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: Tenth And I Streets, Reedley, CA 93654
    County: Fresno
    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): Fresno, CA (#2840)
    Combined Statistical Area (CSA): Fresno-Madera, CA (#260)
    Core Based Statistical Area (CBSA): Fresno, CA (#23420)
    CBSA Metro Statistical Area: Fresno, CA (#23420)
  • Financial Summary
  • Total assets: $124.8 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 52Total employees (full-time equivalent)
  • $132,742Total assets
  • $7,050Cash and due from depository institutions
  • $602Interest-bearing balances
  • $24,935Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $81,373Net loans & leases
  • $802Loan loss allowance
  • $0Trading account assets
  • $1,442Bank premises and fixed assets
  • $240Other real estate owned
  • $13,705Goodwill and other intangibles
  • $0Life insurance assets
  • $3,997All other assets
  • $132,742Total liabilities and capital
  • $109,456Total liabilities
  • $97,080Total deposits
  • $77,401Interest-bearing deposits
  • $97,080Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $750Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,500Other borrowed funds
  • $0Subordinated debt
  • $1,126All other liabilities
  • $23,286Total equity capital
  • $23,286Total bank equity capital
  • $23,286Perpetual preferred stock
  • $0Common stock
  • $961Surplus
  • $20,759Undivided profits
  • Memoranda
  • $1,566Noncurrent loans and leases
  • $42,332Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $617Earning assets
  • $0Long-term assets (5+ years)
  • $1,019Average Assets, year-to-date
  • $106,910Average Assets, quarterly
  • $23,989Volatile liabilities
  • $116,494Insider loans
  • $131,058FHLB advances
  • $22,700Loans and leases held for sale
  • $278Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $975Total risk weighted assets
  • $42,332Total unused commitments
  • $0Restructured Loans and leases
  • $802Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $9,917Total interest income
  • $3,893Total interest expense
  • $6,024Net interest income
  • $250Provision for loan and lease losses
  • $952Total noninterest income
  • $0Fiduciary activities
  • $405Service charges on deposit accounts
  • $0Trading account gains & fees
  • $547Additional noninterest income
  • $5,002Total noninterest expense
  • $2,316Salaries and employee benefits
  • $572Premises and equipment expense
  • $2,114Additional noninterest expense
  • $1,724Pre-tax net operating income
  • $0Securities gains (losses)
  • $781Applicable income taxes
  • $943Income before extraordinary items
  • $0Extraordinary gains - net
  • $943Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $102Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 10.36%Yield on earning assets
  • 4.07%Cost of funding earning assets
  • 6.29%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 5.22%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 4.90%Return on equity (ROE)
  • 4.90%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 245.10%Credit loss provision to net charge-offs
  • 19.35%Efficiency ratio
  • 59,117Assets per employee
  • 2.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 129.98%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 83.82%Net loans and leases to core deposits
  • 95.03%Equity capital to assets
  • 17.54%Core capital (leverage) ratio
  • 7.63%Tier 1 risk-based capital ratio
  • 9.72%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $116,494Average earning assets
  • $19,261Average equity
  • $95,746Average loans

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