FDIC Certificate #: 23881 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Greater Bay Bank, National Association (#27068) Federal Reserve ID: 849366 Date Established: June 10, 1982 WWW:http://www.sjnb.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) FDIC's unique #: 16680 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: June 10, 1982 Last Structure Change Effective Date: Febuary 02, 2004 Last Structure Change Process Date: March 03, 2004 Last Data Update: March 03, 2004 Data Source Date: April 05, 2012
Location
Address: One North Market Street, San Jose, CA 95113 County: Santa Clara 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 Jose, CA (#7400) 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 Jose-Sunnyvale-Santa Clara, CA (#41940) CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
Financial Summary
Total assets: $639.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
36Total employees (full-time equivalent)
$639,501Total assets
$22,501Cash and due from depository institutions
$0Interest-bearing balances
$175,082Securities
$42,000Federal funds sold & reverse repurchase agreements
$349,377Net loans & leases
$14,592Loan loss allowance
$0Trading account assets
$3,676Bank premises and fixed assets
$968Other real estate owned
$2,500Goodwill and other intangibles
$0Life insurance assets
$43,397All other assets
$639,501Total liabilities and capital
$570,495Total liabilities
$496,330Total deposits
$457,612Interest-bearing deposits
$496,330Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$57,728Other borrowed funds
$0Subordinated debt
$16,437All other liabilities
$69,006Total equity capital
$69,006Total bank equity capital
$69,006Perpetual preferred stock
$0Common stock
$9,489Surplus
$12,648Undivided profits
Memoranda
$46,869Noncurrent loans and leases
$95,361Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7,093Earning assets
$815Long-term assets (5+ years)
$2,209Average Assets, year-to-date
$566,459Average Assets, quarterly
$116,319Volatile liabilities
$710,062Insider loans
$661,112FHLB advances
$175,882Loans and leases held for sale
$4,060Unused loan commitments
$57,526Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$22,901Total risk weighted assets
$95,361Total unused commitments
$0Restructured Loans and leases
$5,667Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$30,685Total interest income
$8,132Total interest expense
$22,553Net interest income
$2,823Provision for loan and lease losses
$2,360Total noninterest income
$0Fiduciary activities
$1,368Service charges on deposit accounts
$0Trading account gains & fees
$992Additional noninterest income
$17,851Total noninterest expense
$4,576Salaries and employee benefits
$1,185Premises and equipment expense
$12,090Additional noninterest expense
$4,239Pre-tax net operating income
$731Securities gains (losses)
$1,735Applicable income taxes
$3,235Income before extraordinary items
$0Extraordinary gains - net
$3,235Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$624Sale, conversion, retirement of capital stock, net
$3,989Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
1.28%Cost of funding earning assets
3.54%Net interest margin
0.37%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
0.39%Net operating income to assets
0.46%Return on assets (ROA)
0.70%Pretax return on assets
4.61%Return on equity (ROE)
-1.08%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
452.40%Credit loss provision to net charge-offs
11.32%Efficiency ratio
71,296Assets per employee
17.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
123.31%Loss allowance to loans
4.01%Loss allowance to noncurrent loans
205.72%Noncurrent assets plus other real estate owned to assets
1.11%Noncurrent loans to loans
1.95%Net loans and leases to deposits
70.39%Net loans and leases to core deposits
96.87%Equity capital to assets
10.79%Core capital (leverage) ratio
10.05%Tier 1 risk-based capital ratio
14.87%Total risk-based capital ratio
Memoranda
$16Average assets
$710,062Average earning assets
$70,137Average equity
$637,050Average loans
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