Napa Community Bank in Napa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 30, 2010

  • Napa Community Bank in Napa, California (CA)
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Napa Community Bank - Overview

  • General
  • FDIC Certificate #: 57260
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Rabobank, National Association (#23364)
    Federal Reserve ID: 3049701
    Date Established: March 01, 2002
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 360272
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 01, 2002
    Last Structure Change Effective Date: April 30, 2010
    Last Structure Change Process Date: May 17, 2010
    Last Data Update: May 17, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 700 Trancas Street, Napa, CA 94558
    County: Napa
    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): Vallejo-Fairfield-Napa, CA (#8720)
    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): Napa, CA (#34900)
    CBSA Metro Statistical Area: Napa, CA (#34900)
  • Financial Summary
  • Total assets: $159.0 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, 2009)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $166,905Total assets
  • $10,367Cash and due from depository institutions
  • $642Interest-bearing balances
  • $1,002Securities
  • $10,560Federal funds sold & reverse repurchase agreements
  • $138,864Net loans & leases
  • $2,493Loan loss allowance
  • $0Trading account assets
  • $487Bank premises and fixed assets
  • $718Other real estate owned
  • $0Goodwill and other intangibles
  • $197Life insurance assets
  • $4,907All other assets
  • $166,905Total liabilities and capital
  • $151,247Total liabilities
  • $142,366Total deposits
  • $115,871Interest-bearing deposits
  • $142,366Deposits held in domestic offices
  • 80.03%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $8,500Other borrowed funds
  • $0Subordinated debt
  • $381All other liabilities
  • $15,658Total equity capital
  • $15,658Total bank equity capital
  • $15,658Perpetual preferred stock
  • $0Common stock
  • $6,100Surplus
  • $3,509Undivided profits
  • Memoranda
  • $6,049Noncurrent loans and leases
  • $24,014Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,287Earning assets
  • $0Long-term assets (5+ years)
  • $527Average Assets, year-to-date
  • $151,068Average Assets, quarterly
  • $52,750Volatile liabilities
  • $156,484Insider loans
  • $164,959FHLB advances
  • $48,411Loans and leases held for sale
  • $1,442Unused loan commitments
  • $8,500Tier 1 (core) risk-based capital
  • $4,737Tier 2 risk-based capital
  • $1,859Total risk weighted assets
  • $24,014Total unused commitments
  • $0Restructured Loans and leases
  • $1,874Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $8,578Total interest income
  • $1,224Total interest expense
  • $7,354Net interest income
  • $3,174Provision for loan and lease losses
  • $360Total noninterest income
  • $0Fiduciary activities
  • $365Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$5Additional noninterest income
  • $3,678Total noninterest expense
  • $1,613Salaries and employee benefits
  • $602Premises and equipment expense
  • $1,463Additional noninterest expense
  • $862Pre-tax net operating income
  • $0Securities gains (losses)
  • $377Applicable income taxes
  • $485Income before extraordinary items
  • $0Extraordinary gains - net
  • $485Net income attributable to bank
  • $0Net charge-offs
  • $485Cash dividends
  • $2,571Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.94%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 5.09%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.31%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 3.07%Return on equity (ROE)
  • 3.07%Retained earnings to average equity (YTD only)
  • 1.87%Net charge-offs to loans
  • 123.45%Credit loss provision to net charge-offs
  • 1.57%Efficiency ratio
  • 47,680Assets per employee
  • 7.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 75.84%Noncurrent assets plus other real estate owned to assets
  • 2.40%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 97.54%Net loans and leases to core deposits
  • 135.54%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 10.48%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $156,484Average earning assets
  • $15,789Average equity
  • $144,518Average loans

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