The Bank of San Ramon Valley in San Ramon, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 13, 1997

  • The Bank of San Ramon Valley in San Ramon, California (CA)
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The Bank of San Ramon Valley - Overview

  • General
  • FDIC Certificate #: 26459
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: U.S. Bank of California (#1304)
    Federal Reserve ID: 222268
    Date Established: December 05, 1985
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 33114
    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: December 05, 1985
    Last Structure Change Effective Date: March 13, 1997
    Last Structure Change Process Date: April 02, 1997
    Last Data Update: April 02, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 2821 Crow Canyon Road, San Ramon, CA 94583
    County: Contra Costa
    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): Oakland, CA (#5775)
    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): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
  • Financial Summary
  • Total assets: $120.5 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)
  • $38Total assets
  • $120,489Cash and due from depository institutions
  • $6,722Interest-bearing balances
  • $0Securities
  • $25,884Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $85,640Loan loss allowance
  • $1,578Trading account assets
  • $0Bank premises and fixed assets
  • $444Other real estate owned
  • $11Goodwill and other intangibles
  • $1,788Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $120,489Total liabilities
  • $110,744Total deposits
  • $107,197Interest-bearing deposits
  • $77,178Deposits held in domestic offices
  • 107197.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $3,110Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $437Total equity capital
  • $437Total bank equity capital
  • $9,745Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $7,160Undivided profits
  • Memoranda
  • $1,085Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $45Income earned, not collected on loans
  • $540Earning assets
  • $111,524Long-term assets (5+ years)
  • $16,443Average Assets, year-to-date
  • $115,744Average Assets, quarterly
  • $119,379Volatile liabilities
  • $16,022Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $170Unused loan commitments
  • $30,013Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,525Total risk weighted assets
  • $90,140Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,702Total interest expense
  • $1,529Net interest income
  • $4,173Provision for loan and lease losses
  • $870Total noninterest income
  • $446Fiduciary activities
  • $0Service charges on deposit accounts
  • $285Trading account gains & fees
  • $0Additional noninterest income
  • $161Total noninterest expense
  • $2,267Salaries and employee benefits
  • $935Premises and equipment expense
  • $402Additional noninterest expense
  • $930Pre-tax net operating income
  • $1,482Securities gains (losses)
  • $7Applicable income taxes
  • $624Income before extraordinary items
  • $865Extraordinary gains - net
  • $0Net income attributable to bank
  • $865Net charge-offs
  • $59Cash dividends
  • $0Sale, 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
  • 5.35%Cost of funding earning assets
  • 1.43%Net interest margin
  • 3.92%Noninterest income to earning assets
  • 0.42%Noninterest expense to earning assets
  • 2.13%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 1.29%Return on equity (ROE)
  • 10.34%Retained earnings to average equity (YTD only)
  • 10.34%Net charge-offs to loans
  • 0.08%Credit loss provision to net charge-offs
  • 1474.58%Efficiency ratio
  • 49,080Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 3506.67%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 79.89%Net loans and leases to core deposits
  • 90.83%Equity capital to assets
  • 8.09%Core capital (leverage) ratio
  • 8.09%Tier 1 risk-based capital ratio
  • 10.57%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $115,744Average earning assets
  • $8,362Average equity
  • $106,584Average loans

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