Murphy Bank in Fresno, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Murphy Bank in Fresno, California (CA)
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Murphy Bank - Overview

  • General
  • FDIC Certificate #: 25726
    Status: Active
    Federal Reserve ID: 855563
    Date Established: Febuary 01, 1984
    WWW: http://www.murphybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13217
    FDIC's unique #: 17599
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Consumer Lending Specialization
    Date of Deposit Insurance: October 29, 1984
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 5180 North Palm Avenue, Fresno, CA 93704
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $109.2 mil
    Equity capital: $18.5 mil
    Deposits held in domestic offices: $90.5 mil
    Return on assets (ROA): 2.54% ($2.8 mil)
    Quarterly return on assets: 2.49% ($2.7 mil)
    Return on Equity (ROE): 15.76% ($3.0 mil)
    Quarterly return on equity: 14.81% ($2.8 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.62% ($2,861.5 mil)
    Quarterly Pretax return on assets: 2.55% ($2,785.1 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, 2011)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $109,218Total assets
  • $18,284Cash and due from depository institutions
  • $14,815Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,030Net loans & leases
  • $1,433Loan loss allowance
  • $0Trading account assets
  • $212Bank premises and fixed assets
  • $150Other real estate owned
  • $0Goodwill and other intangibles
  • $109,218Life insurance assets
  • $1,542All other assets
  • $90,695Total liabilities and capital
  • $90,511Total liabilities
  • $90,174Total deposits
  • $90,511Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $184Subordinated debt
  • $18,523All other liabilities
  • $18,523Total equity capital
  • $18,523Total bank equity capital
  • $0Perpetual preferred stock
  • $972Common stock
  • $1,628Surplus
  • $15,923Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,040Income earned, not collected on loans
  • $0Earning assets
  • $475Long-term assets (5+ years)
  • $103,845Average Assets, year-to-date
  • $284Average Assets, quarterly
  • $111,514Volatile liabilities
  • $109,202Insider loans
  • $85,692FHLB advances
  • $109,432Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,523Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $14Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,086Total interest income
  • $872Total interest expense
  • $7,214Net interest income
  • $983Provision for loan and lease losses
  • $44Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $44Additional noninterest income
  • $3,351Total noninterest expense
  • $1,890Salaries and employee benefits
  • $505Premises and equipment expense
  • $956Additional noninterest expense
  • $2,924Pre-tax net operating income
  • $0Securities gains (losses)
  • $93Applicable income taxes
  • $2,831Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,831Net income attributable to bank
  • $0Net charge-offs
  • $2,831Cash dividends
  • $951Sale, conversion, retirement of capital stock, net
  • $1,740Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.55%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 6.74%Net interest margin
  • 0.04%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 2.54%Net operating income to assets
  • 2.54%Return on assets (ROA)
  • 2.62%Pretax return on assets
  • 15.76%Return on equity (ROE)
  • 6.07%Retained earnings to average equity (YTD only)
  • 1.04%Net charge-offs to loans
  • 103.36%Credit loss provision to net charge-offs
  • 4.11%Efficiency ratio
  • 46,170Assets per employee
  • 4.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.46%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 137.79%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 1.15%Net loans and leases to deposits
  • 98.36%Net loans and leases to core deposits
  • 115.25%Equity capital to assets
  • 16.96%Core capital (leverage) ratio
  • 16.93%Tier 1 risk-based capital ratio
  • 21.62%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $111,514Average earning assets
  • $17,962Average equity
  • $107,085Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017599Murphy Bank5180 North Palm Avenue, Fresno, CA 93704Febuary 01, 1984Full Service Brick and Mortar

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