FDIC Certificate #: 26877 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Bank & Trust (#18678) Federal Reserve ID: 62763 Date Established: December 23, 1986 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) OTS Docket #: 15684 FDIC's unique #: 36160 Numeric code: 13 Regulator: FED 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: December 23, 1986 Last Structure Change Effective Date: December 29, 2000 Last Structure Change Process Date: Febuary 15, 2001 Last Data Update: Febuary 15, 2001 Data Source Date: April 05, 2012
Location
Address: 180 Sansome Street, San Francisco, CA 94104 County: San Francisco 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): San Francisco, CA (#7360) Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84) Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488) Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860) CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860) Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
Financial Summary
Total assets: $110.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
35Total employees (full-time equivalent)
$95,969Total assets
$1,637Cash and due from depository institutions
$0Interest-bearing balances
$27,051Securities
$1,750Federal funds sold & reverse repurchase agreements
$63,415Net loans & leases
$1,060Loan loss allowance
$0Trading account assets
$550Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,566All other assets
$95,969Total liabilities and capital
$85,290Total liabilities
$83,346Total deposits
$69,633Interest-bearing deposits
$83,346Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,944All other liabilities
$10,679Total equity capital
$10,679Total bank equity capital
$10,679Perpetual preferred stock
$0Common stock
$10,831Surplus
$3,716Undivided profits
Memoranda
$-3,868Noncurrent loans and leases
$18,230Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,054Earning assets
$358Long-term assets (5+ years)
$481Average Assets, year-to-date
$92,216Average Assets, quarterly
$17,230Volatile liabilities
$81,293Insider loans
$90,806FHLB advances
$22,306Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,202Total risk weighted assets
$18,230Total unused commitments
$0Restructured Loans and leases
$1,048Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,836Total interest income
$2,846Total interest expense
$3,990Net interest income
$291Provision for loan and lease losses
$524Total noninterest income
$0Fiduciary activities
$128Service charges on deposit accounts
$0Trading account gains & fees
$396Additional noninterest income
$3,391Total noninterest expense
$2,086Salaries and employee benefits
$448Premises and equipment expense
$857Additional noninterest expense
$832Pre-tax net operating income
$0Securities gains (losses)
$1Applicable income taxes
$831Income before extraordinary items
$0Extraordinary gains - net
$831Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$261Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.77%Yield on earning assets
3.65%Cost of funding earning assets
5.12%Net interest margin
0.67%Noninterest income to earning assets
4.35%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.02%Pretax return on assets
7.90%Return on equity (ROE)
7.90%Retained earnings to average equity (YTD only)
0.49%Net charge-offs to loans
111.49%Credit loss provision to net charge-offs
4.30%Efficiency ratio
75,122Assets per employee
2.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.64%Loss allowance to noncurrent loans
100.57%Noncurrent assets plus other real estate owned to assets
1.10%Noncurrent loans to loans
1.63%Net loans and leases to deposits
76.09%Net loans and leases to core deposits
103.89%Equity capital to assets
11.13%Core capital (leverage) ratio
12.33%Tier 1 risk-based capital ratio
13.43%Total risk-based capital ratio
Memoranda
$15Average assets
$81,293Average earning assets
$10,516Average equity
$77,930Average loans
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