The Bank of Commerce, National Association in Auburn, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 14, 1996

  • The Bank of Commerce, National Association in Auburn, California (CA)
  • Show street view No street view available for this location

The Bank of Commerce, National Association - Overview

  • General
  • FDIC Certificate #: 24319
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: ValliWide Bank (#21166)
    Federal Reserve ID: 905860
    Date Established: Febuary 07, 1983
    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 #: 16920
    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: Febuary 07, 1983
    Last Structure Change Effective Date: September 14, 1996
    Last Structure Change Process Date: October 07, 1996
    Last Data Update: October 07, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 540 Wall Street, Auburn, CA 95603
    County: Placer
    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): Sacramento, CA (#6920)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • Financial Summary
  • Total assets: $75.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $63Total assets
  • $75,289Cash and due from depository institutions
  • $5,264Interest-bearing balances
  • $0Securities
  • $6,316Federal funds sold & reverse repurchase agreements
  • $8,300Net loans & leases
  • $50,449Loan loss allowance
  • $732Trading account assets
  • $0Bank premises and fixed assets
  • $2,192Other real estate owned
  • $569Goodwill and other intangibles
  • $1,745Life insurance assets
  • $454All other assets
  • $0Total liabilities and capital
  • $75,289Total liabilities
  • $68,031Total deposits
  • $67,330Interest-bearing deposits
  • $52,221Deposits held in domestic offices
  • 67330.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $60Subordinated debt
  • $0All other liabilities
  • $641Total equity capital
  • $641Total bank equity capital
  • $7,258Perpetual preferred stock
  • $0Common stock
  • $1,250Surplus
  • $3,433Undivided profits
  • Memoranda
  • $2,575Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $667Income earned, not collected on loans
  • $350Earning assets
  • $65,065Long-term assets (5+ years)
  • $6,354Average Assets, year-to-date
  • $73,614Average Assets, quarterly
  • $75,569Volatile liabilities
  • $3,722Insider loans
  • $1,303FHLB advances
  • $0Loans and leases held for sale
  • $4,335Unused loan commitments
  • $11,167Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,744Total risk weighted assets
  • $58,047Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,129Total interest expense
  • $1,635Net interest income
  • $4,494Provision for loan and lease losses
  • $70Total noninterest income
  • $1,591Fiduciary activities
  • $0Service charges on deposit accounts
  • $349Trading account gains & fees
  • $0Additional noninterest income
  • $1,242Total noninterest expense
  • $4,239Salaries and employee benefits
  • $2,294Premises and equipment expense
  • $755Additional noninterest expense
  • $1,190Pre-tax net operating income
  • $1,776Securities gains (losses)
  • $0Applicable income taxes
  • $773Income before extraordinary items
  • $1,003Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,003Net charge-offs
  • $79Cash dividends
  • $600Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.71%Cost of funding earning assets
  • 2.59%Net interest margin
  • 7.12%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 6.72%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 2.41%Return on equity (ROE)
  • 14.58%Retained earnings to average equity (YTD only)
  • 5.86%Net charge-offs to loans
  • 0.16%Credit loss provision to net charge-offs
  • 88.61%Efficiency ratio
  • 68,513Assets per employee
  • 1.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.82%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 109.75%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 1.30%Net loans and leases to deposits
  • 74.93%Net loans and leases to core deposits
  • 79.24%Equity capital to assets
  • 9.64%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 11.62%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $73,614Average earning assets
  • $6,878Average equity
  • $63,098Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Bank of Commerce, National Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents