Tehama Bank in Red Bluff, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 31, 2002

  • Tehama Bank in Red Bluff, California (CA)
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Tehama Bank - Overview

  • General
  • FDIC Certificate #: 25594
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Humboldt Bank (#27582)
    Federal Reserve ID: 877967
    Date Established: August 30, 1984
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Interstate: No)
    OTS Docket #: 16126
    FDIC's unique #: 17533
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 30, 1984
    Last Structure Change Effective Date: May 31, 2002
    Last Structure Change Process Date: July 12, 2002
    Last Data Update: July 12, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 333 Main Street, Red Bluff, CA 96080
    County: Tehama
    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
    Core Based Statistical Area (CBSA): Red Bluff, CA (#39780)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $257.3 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, 2001)

  • Dollar figures in thousands
  • 61Total employees (full-time equivalent)
  • $266,657Total assets
  • $31,203Cash and due from depository institutions
  • $461Interest-bearing balances
  • $37,290Securities
  • $12,190Federal funds sold & reverse repurchase agreements
  • $172,814Net loans & leases
  • $2,750Loan loss allowance
  • $0Trading account assets
  • $2,062Bank premises and fixed assets
  • $166Other real estate owned
  • $568Goodwill and other intangibles
  • $0Life insurance assets
  • $10,364All other assets
  • $266,657Total liabilities and capital
  • $245,520Total liabilities
  • $239,992Total deposits
  • $179,565Interest-bearing deposits
  • $239,992Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,530Other borrowed funds
  • $0Subordinated debt
  • $3,998All other liabilities
  • $21,137Total equity capital
  • $21,137Total bank equity capital
  • $21,137Perpetual preferred stock
  • $0Common stock
  • $12,239Surplus
  • $0Undivided profits
  • Memoranda
  • $8,898Noncurrent loans and leases
  • $45,510Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,358Earning assets
  • $35Long-term assets (5+ years)
  • $1,422Average Assets, year-to-date
  • $222,755Average Assets, quarterly
  • $53,712Volatile liabilities
  • $252,971Insider loans
  • $266,511FHLB advances
  • $28,048Loans and leases held for sale
  • $3,987Unused loan commitments
  • $532Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1Total risk weighted assets
  • $45,510Total unused commitments
  • $703Restructured Loans and leases
  • $2,495Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $16,810Total interest income
  • $6,863Total interest expense
  • $9,947Net interest income
  • $1,121Provision for loan and lease losses
  • $3,426Total noninterest income
  • $0Fiduciary activities
  • $877Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,549Additional noninterest income
  • $10,263Total noninterest expense
  • $3,480Salaries and employee benefits
  • $1,487Premises and equipment expense
  • $5,296Additional noninterest expense
  • $1,989Pre-tax net operating income
  • $186Securities gains (losses)
  • $752Applicable income taxes
  • $1,423Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,423Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $650Sale, conversion, retirement of capital stock, net
  • $1,300Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.84%Yield on earning assets
  • 3.20%Cost of funding earning assets
  • 4.64%Net interest margin
  • 1.60%Noninterest income to earning assets
  • 4.79%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 7.51%Return on equity (ROE)
  • 0.65%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 172.46%Credit loss provision to net charge-offs
  • 4.78%Efficiency ratio
  • 76,408Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.36%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 202.50%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.77%Net loans and leases to deposits
  • 72.01%Net loans and leases to core deposits
  • 81.16%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 7.76%Tier 1 risk-based capital ratio
  • 10.41%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $252,971Average earning assets
  • $18,959Average equity
  • $214,421Average loans

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