Stockton Savings Bank, FSB in Stockton, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 27, 1997

  • Stockton Savings Bank, FSB in Stockton, California (CA)
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Stockton Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28674
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Guaranty Bank (#32618)
    Federal Reserve ID: 375771
    Date Established: January 01, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2112
    FDIC's unique #: 41508
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: June 12, 1956
    Last Structure Change Effective Date: June 27, 1997
    Last Structure Change Process Date: July 07, 1997
    Last Data Update: July 07, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 212 North San Joaquin Street, Stockton, CA 95202
    County: San Joaquin
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Stockton-Lodi, CA (#8120)
    Core Based Statistical Area (CBSA): Stockton, CA (#44700)
    CBSA Metro Statistical Area: Stockton, CA (#44700)
  • Financial Summary
  • Total assets: $1,327.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $353Total assets
  • $1,344,685Cash and due from depository institutions
  • $22,742Interest-bearing balances
  • $1,552Securities
  • $305,376Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $960,276Loan loss allowance
  • $7,277Trading account assets
  • $0Bank premises and fixed assets
  • $19,838Other real estate owned
  • $6,983Goodwill and other intangibles
  • $28,215Life insurance assets
  • $1,255All other assets
  • $0Total liabilities and capital
  • $1,344,685Total liabilities
  • $1,256,531Total deposits
  • $968,856Interest-bearing deposits
  • $942,472Deposits held in domestic offices
  • 968856.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $19,550Trading liabilities
  • $0Other borrowed funds
  • $263,500Subordinated debt
  • $0All other liabilities
  • $4,625Total equity capital
  • $4,625Total bank equity capital
  • $88,154Perpetual preferred stock
  • $0Common stock
  • $775Surplus
  • $16,225Undivided profits
  • Memoranda
  • $71,154Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,766Income earned, not collected on loans
  • $4,758Earning assets
  • $1,267,204Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $1,316,431Average Assets, quarterly
  • $1,347,129Volatile liabilities
  • $418,132Insider loans
  • $1,130FHLB advances
  • $263,500Loans and leases held for sale
  • $0Unused loan commitments
  • $36,252Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $86,409Total risk weighted assets
  • $730,939Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $97,943Total interest expense
  • $58,477Net interest income
  • $39,466Provision for loan and lease losses
  • $1,462Total noninterest income
  • $7,218Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $7,218Total noninterest expense
  • $34,317Salaries and employee benefits
  • $12,431Premises and equipment expense
  • $5,665Additional noninterest expense
  • $16,221Pre-tax net operating income
  • $10,905Securities gains (losses)
  • $2,126Applicable income taxes
  • $5,410Income before extraordinary items
  • $7,621Extraordinary gains - net
  • $0Net income attributable to bank
  • $7,621Net charge-offs
  • $2,165Cash dividends
  • $1,800Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.90%Cost of funding earning assets
  • 4.72%Net interest margin
  • 3.18%Noninterest income to earning assets
  • 0.58%Noninterest expense to earning assets
  • 2.77%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 0.99%Return on equity (ROE)
  • 8.92%Retained earnings to average equity (YTD only)
  • 6.82%Net charge-offs to loans
  • 0.23%Credit loss provision to net charge-offs
  • 67.53%Efficiency ratio
  • 71,703Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.62%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 72.03%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 0.91%Net loans and leases to deposits
  • 99.11%Net loans and leases to core deposits
  • 115.17%Equity capital to assets
  • 6.56%Core capital (leverage) ratio
  • 6.43%Tier 1 risk-based capital ratio
  • 11.82%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,316,431Average earning assets
  • $85,390Average equity
  • $1,239,156Average loans

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