National Bank of the Redwoods in Santa Rosa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 12, 2005

  • National Bank of the Redwoods in Santa Rosa, California (CA)
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National Bank of the Redwoods - Overview

  • General
  • FDIC Certificate #: 25910
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Westamerica Bank (#3430)
    Federal Reserve ID: 236667
    Date Established: January 24, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    OTS Docket #: 14392
    FDIC's unique #: 32167
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 24, 1985
    Last Structure Change Effective Date: March 12, 2005
    Last Structure Change Process Date: March 21, 2005
    Last Data Update: March 21, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 Santa Rosa Avenue, Santa Rosa, CA 95404
    County: Sonoma
    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): Santa Rosa, CA (#7500)
    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): Santa Rosa-Petaluma, CA (#42220)
    CBSA Metro Statistical Area: Santa Rosa-Petaluma, CA (#42220)
  • Financial Summary
  • Total assets: $506.4 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, 2004)

  • Dollar figures in thousands
  • 154Total employees (full-time equivalent)
  • $506,383Total assets
  • $15,365Cash and due from depository institutions
  • $6Interest-bearing balances
  • $41,776Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $429,248Net loans & leases
  • $7,178Loan loss allowance
  • $0Trading account assets
  • $1,982Bank premises and fixed assets
  • $0Other real estate owned
  • $777Goodwill and other intangibles
  • $0Life insurance assets
  • $17,235All other assets
  • $506,383Total liabilities and capital
  • $461,568Total liabilities
  • $393,385Total deposits
  • $347,432Interest-bearing deposits
  • $393,385Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,218Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $56,201Other borrowed funds
  • $0Subordinated debt
  • $10,764All other liabilities
  • $44,815Total equity capital
  • $44,815Total bank equity capital
  • $44,815Perpetual preferred stock
  • $0Common stock
  • $3,552Surplus
  • $21,197Undivided profits
  • Memoranda
  • $20,066Noncurrent loans and leases
  • $81,842Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,195Earning assets
  • $65Long-term assets (5+ years)
  • $2,061Average Assets, year-to-date
  • $471,030Average Assets, quarterly
  • $206,510Volatile liabilities
  • $515,708Insider loans
  • $512,701FHLB advances
  • $126,525Loans and leases held for sale
  • $0Unused loan commitments
  • $55,400Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $159Total risk weighted assets
  • $81,842Total unused commitments
  • $240Restructured Loans and leases
  • $5,498Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $29,036Total interest income
  • $4,705Total interest expense
  • $24,331Net interest income
  • $0Provision for loan and lease losses
  • $7,812Total noninterest income
  • $0Fiduciary activities
  • $930Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,882Additional noninterest income
  • $17,043Total noninterest expense
  • $10,650Salaries and employee benefits
  • $2,117Premises and equipment expense
  • $4,276Additional noninterest expense
  • $15,100Pre-tax net operating income
  • $79Securities gains (losses)
  • $6,068Applicable income taxes
  • $9,111Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,111Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$16Sale, conversion, retirement of capital stock, net
  • $5,034Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.08%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 5.09%Net interest margin
  • 1.64%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 1.76%Net operating income to assets
  • 1.77%Return on assets (ROA)
  • 2.94%Pretax return on assets
  • 21.04%Return on equity (ROE)
  • 9.41%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 53,022Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.25%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 600.67%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 109.12%Net loans and leases to core deposits
  • 132.37%Equity capital to assets
  • 8.85%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 9.95%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $515,708Average earning assets
  • $43,309Average equity
  • $477,578Average loans

Bank Assets Sold and Securitized (December 31, 2002)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $2,5991-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

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