United Security Bank in Fresno, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • United Security Bank in Fresno, California (CA)
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United Security Bank - Overview

  • General
  • FDIC Certificate #: 27132
    Status: Active
    Federal Reserve ID: 1162017
    Bank Holding Company (Regulatory Top Holder): United Security Bancshares (RSSDID: 3015975, Location: Fresno, CA)
    Date Established: December 21, 1987
    WWW: http://www.unitedsecuritybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 14091
    FDIC's unique #: 38845
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 21, 1987
    Last Structure Change Effective Date: Febuary 12, 2007
    Last Structure Change Process Date: Febuary 28, 2007
    Last Data Update: Febuary 28, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2151 West Shaw Avenue, Fresno, CA 93711
    County: Fresno
    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): Fresno, CA (#2840)
    Combined Statistical Area (CSA): Fresno-Madera, CA (#260)
    Core Based Statistical Area (CBSA): Fresno, CA (#23420)
    CBSA Metro Statistical Area: Fresno, CA (#23420)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $656.0 mil
    Equity capital: $75.8 mil
    Deposits held in domestic offices: $574.5 mil
    Return on assets (ROA): -1.35% (-$8.9 mil)
    Quarterly return on assets: -0.42% (-$2.8 mil)
    Return on Equity (ROE): -11.24% (-$8.5 mil)
    Quarterly return on equity: -3.68% (-$2.8 mil)
    Net income: -$9.0 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: -2.04% (-$13,381.5 mil)
    Quarterly Pretax return on assets: -0.93% (-$6,100.4 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, 2011)

  • Dollar figures in thousands
  • 138Total employees (full-time equivalent)
  • $655,958Total assets
  • $126,372Cash and due from depository institutions
  • $98,320Interest-bearing balances
  • $38,430Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $394,498Net loans & leases
  • $13,648Loan loss allowance
  • $0Trading account assets
  • $12,675Bank premises and fixed assets
  • $27,513Other real estate owned
  • $5,041Goodwill and other intangibles
  • $655,958Life insurance assets
  • $51,429All other assets
  • $580,178Total liabilities and capital
  • $574,539Total liabilities
  • $349,520Total deposits
  • $574,539Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,639Subordinated debt
  • $75,780All other liabilities
  • $75,780Total equity capital
  • $75,780Total bank equity capital
  • $0Perpetual preferred stock
  • $37,929Common stock
  • $23,664Surplus
  • $14,187Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,099Income earned, not collected on loans
  • $0Earning assets
  • $1,946Long-term assets (5+ years)
  • $531,248Average Assets, year-to-date
  • $71,355Average Assets, quarterly
  • $667,094Volatile liabilities
  • $663,201Insider loans
  • $493,247FHLB advances
  • $636,345Loans and leases held for sale
  • $16,150Unused loan commitments
  • $16,150Tier 1 (core) risk-based capital
  • $60,699Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $62,073Restructured Loans and leases
  • $6,340Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,940Total interest income
  • $2,716Total interest expense
  • $25,224Net interest income
  • $13,602Provision for loan and lease losses
  • $1,172Total noninterest income
  • $0Fiduciary activities
  • $2,936Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,764Additional noninterest income
  • $25,473Total noninterest expense
  • $9,100Salaries and employee benefits
  • $3,090Premises and equipment expense
  • $13,283Additional noninterest expense
  • -$12,679Pre-tax net operating income
  • -$929Securities gains (losses)
  • -$4,586Applicable income taxes
  • -$9,022Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,022Net income attributable to bank
  • $0Net charge-offs
  • -$9,022Cash dividends
  • $16,473Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.61%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 4.65%Noninterest expense to earning assets
  • -1.26%Net operating income to assets
  • -1.35%Return on assets (ROA)
  • -2.04%Pretax return on assets
  • -11.24%Return on equity (ROE)
  • -11.24%Retained earnings to average equity (YTD only)
  • 3.88%Net charge-offs to loans
  • 82.57%Credit loss provision to net charge-offs
  • 0.06%Efficiency ratio
  • 88,377Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.34%Loss allowance to noncurrent loans
  • 75.41%Noncurrent assets plus other real estate owned to assets
  • 6.95%Noncurrent loans to loans
  • 4.43%Net loans and leases to deposits
  • 68.66%Net loans and leases to core deposits
  • 75.53%Equity capital to assets
  • 11.55%Core capital (leverage) ratio
  • 9.54%Tier 1 risk-based capital ratio
  • 12.31%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $667,094Average earning assets
  • $80,294Average equity
  • $547,348Average loans

List of branches

  • 13 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    038845United Security Bank2151 West Shaw Avenue, Fresno, CA 93711December 21, 1987Full Service Brick and Mortar
    2288003First And Herndon Branch7088 N. First Street, Fresno, CA 93720January 30, 1986Full Service Brick and Mortar
    5261164Courier Service Branch2151 West Shaw Avenue, Fresno, CA 93711July 10, 1996Full Service Brick and Mortar
    6188710San Joaquin Branch21574 Manning Avenue, San Joaquin, CA 93660June 19, 1959Full Service Brick and Mortar
    7196403Caruthers Branch13356 South Henderson, Caruthers, CA 93609June 05, 1969Full Service Brick and Mortar
    8199063Coalinga Branch145 East Durian Street, Coalinga, CA 93210May 01, 1960Full Service Brick and Mortar
    9197683Firebaugh Branch1067 O St, Firebaugh, CA 93622Febuary 19, 1927Full Service Brick and Mortar
    10261165Oakhurst Branch40074 Highway 49, Oakhurst, CA 93644April 12, 1999Full Service Brick and Mortar
    1116883Taft Branch523 Cascade Place, Taft, CA 93268January 03, 1983Full Service Brick and Mortar
    12257119Bakersfield Branch3404 Coffee Road, Bakersfield, CA 93308May 11, 1998Full Service Brick and Mortar
    13430271Convention Center Branch855 M Street, Ste 130, Fresno, CA 93721March 19, 2004Full Service Brick and Mortar
    14365180Legacy Bank Branch125 E. Campbell Avenue, Campbell, CA 95008October 01, 2003Full Service Brick and Mortar
    15521319Corporate Headquarters Branch2126 Inyo Street, Fresno, CA 93721June 30, 2011Limited Service Administrative

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