North Coast Bank, National Association in Santa Rosa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2004

  • North Coast Bank, National Association in Santa Rosa, California (CA)
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North Coast Bank, National Association - Overview

  • General
  • FDIC Certificate #: 33212
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American River Bank (#24655)
    Federal Reserve ID: 1492152
    Date Established: October 25, 1990
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 10384
    FDIC's unique #: 46453
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: October 25, 1990
    Last Structure Change Effective Date: January 01, 2004
    Last Structure Change Process Date: Febuary 03, 2004
    Last Data Update: Febuary 03, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 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: $78.5 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, 2003)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $78,477Total assets
  • $6,495Cash and due from depository institutions
  • $1,488Interest-bearing balances
  • $16,261Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $54,084Net loans & leases
  • $906Loan loss allowance
  • $0Trading account assets
  • $632Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,005All other assets
  • $78,477Total liabilities and capital
  • $72,674Total liabilities
  • $72,490Total deposits
  • $53,895Interest-bearing deposits
  • $72,490Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $184All other liabilities
  • $5,803Total equity capital
  • $5,803Total bank equity capital
  • $5,803Perpetual preferred stock
  • $0Common stock
  • $3,995Surplus
  • $0Undivided profits
  • Memoranda
  • $1,808Noncurrent loans and leases
  • $10,931Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $323Average Assets, year-to-date
  • $71,833Average Assets, quarterly
  • $10,287Volatile liabilities
  • $72,675Insider loans
  • $79,009FHLB advances
  • $8,616Loans and leases held for sale
  • $1,010Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,931Total unused commitments
  • $5Restructured Loans and leases
  • $746Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $4,125Total interest income
  • $771Total interest expense
  • $3,354Net interest income
  • $183Provision for loan and lease losses
  • $291Total noninterest income
  • $0Fiduciary activities
  • $150Service charges on deposit accounts
  • $0Trading account gains & fees
  • $141Additional noninterest income
  • $2,630Total noninterest expense
  • $1,193Salaries and employee benefits
  • $504Premises and equipment expense
  • $933Additional noninterest expense
  • $832Pre-tax net operating income
  • $0Securities gains (losses)
  • $337Applicable income taxes
  • $495Income before extraordinary items
  • $0Extraordinary gains - net
  • $495Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$91Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.22%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 5.06%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.97%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 8.90%Return on equity (ROE)
  • 8.90%Retained earnings to average equity (YTD only)
  • -0.17%Net charge-offs to loans
  • -201.10%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 72,154Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 74.61%Net loans and leases to core deposits
  • 84.67%Equity capital to assets
  • 7.39%Core capital (leverage) ratio
  • 7.05%Tier 1 risk-based capital ratio
  • 9.51%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $72,675Average earning assets
  • $5,563Average equity
  • $66,283Average loans

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