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

This bank is inactive as of Febuary 28, 2007

  • Sonoma National Bank in Santa Rosa, California (CA)
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Sonoma National Bank - Overview

  • General
  • FDIC Certificate #: 25911
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Savings Bank (#32158)
    Federal Reserve ID: 420868
    Date Established: January 25, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Interstate: No)
    OTS Docket #: 14688
    FDIC's unique #: 32168
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 25, 1985
    Last Structure Change Effective Date: Febuary 28, 2007
    Last Structure Change Process Date: March 06, 2007
    Last Data Update: March 06, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 801 Fourth Street, 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: $1,361.9 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, 2006)

  • Dollar figures in thousands
  • 172Total employees (full-time equivalent)
  • $1,361,911Total assets
  • $23,509Cash and due from depository institutions
  • $8,465Interest-bearing balances
  • $993Securities
  • $91,843Federal funds sold & reverse repurchase agreements
  • $1,208,738Net loans & leases
  • $12,499Loan loss allowance
  • $0Trading account assets
  • $2,655Bank premises and fixed assets
  • $0Other real estate owned
  • $2,863Goodwill and other intangibles
  • $2,873Life insurance assets
  • $31,310All other assets
  • $1,361,911Total liabilities and capital
  • $1,245,962Total liabilities
  • $989,793Total deposits
  • $950,167Interest-bearing deposits
  • $989,793Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $249,340Other borrowed funds
  • $0Subordinated debt
  • $6,829All other liabilities
  • $115,949Total equity capital
  • $115,949Total bank equity capital
  • $115,949Perpetual preferred stock
  • $0Common stock
  • $1,550Surplus
  • $4,687Undivided profits
  • Memoranda
  • $109,712Noncurrent loans and leases
  • $90,626Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,315Earning assets
  • $1,787Long-term assets (5+ years)
  • $7,104Average Assets, year-to-date
  • $1,310,039Average Assets, quarterly
  • $428,298Volatile liabilities
  • $1,315,354Insider loans
  • $1,363,603FHLB advances
  • $547,443Loans and leases held for sale
  • $19,602Unused loan commitments
  • $249,340Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $90,626Total unused commitments
  • $0Restructured Loans and leases
  • $12,768Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $94,950Total interest income
  • $46,893Total interest expense
  • $48,057Net interest income
  • $1,750Provision for loan and lease losses
  • $4,784Total noninterest income
  • $0Fiduciary activities
  • $545Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,239Additional noninterest income
  • $19,872Total noninterest expense
  • $12,542Salaries and employee benefits
  • $3,276Premises and equipment expense
  • $4,054Additional noninterest expense
  • $31,219Pre-tax net operating income
  • $0Securities gains (losses)
  • $12,456Applicable income taxes
  • $18,763Income before extraordinary items
  • $0Extraordinary gains - net
  • $18,763Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.52%Yield on earning assets
  • 3.71%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 1.57%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.43%Return on assets (ROA)
  • 2.37%Pretax return on assets
  • 17.71%Return on equity (ROE)
  • 17.71%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
  • 37,607Assets per employee
  • 7.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 539.91%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 122.12%Net loans and leases to core deposits
  • 184.02%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.50%Tier 1 risk-based capital ratio
  • 10.13%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $1,315,354Average earning assets
  • $105,962Average equity
  • $1,262,749Average loans

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