Sutter Community Bank in Yuba City, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Sutter Community Bank - Overview

  • General
  • FDIC Certificate #: 58221
    Status: Active
    Federal Reserve ID: 3449730
    Date Established: June 19, 2006
    WWW: http://www.suttercommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 442971
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 19, 2006
    Last Structure Change Effective Date: Febuary 20, 2009
    Last Structure Change Process Date: March 16, 2009
    Last Data Update: March 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 700 Plumas Street, Yuba City, CA 95991
    County: Sutter
    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): Yuba City, CA (#9340)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Yuba City, CA (#49700)
    CBSA Metro Statistical Area: Yuba City, CA (#49700)
  • Financial Summary
  • Total assets: $64.6 mil
    Equity capital: $8.3 mil
    Deposits held in domestic offices: $55.9 mil
    Return on assets (ROA): 1.83% ($1.2 mil)
    Quarterly return on assets: 4.33% ($2.8 mil)
    Return on Equity (ROE): 15.64% ($1.3 mil)
    Quarterly return on equity: 35.26% ($2.8 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.20% ($129.1 mil)
    Quarterly Pretax return on assets: -1.13% (-$729.7 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, 2011)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $64,572Total assets
  • $5,197Cash and due from depository institutions
  • $3,392Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $54,851Net loans & leases
  • $1,109Loan loss allowance
  • $0Trading account assets
  • $40Bank premises and fixed assets
  • $1,444Other real estate owned
  • $0Goodwill and other intangibles
  • $64,572Life insurance assets
  • $3,040All other assets
  • $56,244Total liabilities and capital
  • $55,932Total liabilities
  • $48,694Total deposits
  • $55,932Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $312Subordinated debt
  • $8,328All other liabilities
  • $8,328Total equity capital
  • $8,328Total bank equity capital
  • $0Perpetual preferred stock
  • $10,263Common stock
  • $0Surplus
  • $-1,935Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $14,339Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $433Income earned, not collected on loans
  • $0Earning assets
  • $471Long-term assets (5+ years)
  • $58,243Average Assets, year-to-date
  • $12,024Average Assets, quarterly
  • $64,891Volatile liabilities
  • $64,904Insider loans
  • $44,533FHLB advances
  • $64,669Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,565Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,279Restructured Loans and leases
  • $1,553Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,335Total interest income
  • $432Total interest expense
  • $2,903Net interest income
  • $451Provision for loan and lease losses
  • $311Total noninterest income
  • $0Fiduciary activities
  • $144Service charges on deposit accounts
  • $0Trading account gains & fees
  • $167Additional noninterest income
  • $2,634Total noninterest expense
  • $1,429Salaries and employee benefits
  • $172Premises and equipment expense
  • $1,033Additional noninterest expense
  • $129Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,058Applicable income taxes
  • $1,187Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,187Net income attributable to bank
  • $0Net charge-offs
  • $1,187Cash dividends
  • $367Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.67%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.93%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 4.48%Noninterest expense to earning assets
  • 1.83%Net operating income to assets
  • 1.83%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 15.64%Return on equity (ROE)
  • 15.64%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 122.89%Credit loss provision to net charge-offs
  • 1.58%Efficiency ratio
  • 81,954Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 256.12%Noncurrent assets plus other real estate owned to assets
  • 2.91%Noncurrent loans to loans
  • 0.77%Net loans and leases to deposits
  • 98.07%Net loans and leases to core deposits
  • 104.19%Equity capital to assets
  • 12.90%Core capital (leverage) ratio
  • 11.70%Tier 1 risk-based capital ratio
  • 16.99%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $64,891Average earning assets
  • $7,591Average equity
  • $58,860Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0442971Sutter Community Bank700 Plumas Street, Yuba City, CA 95991June 19, 2006Full Service Brick and Mortar

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