Vineyard Bank, National Association in Rancho Cucamonga, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 17, 2009

  • Vineyard Bank, National Association in Rancho Cucamonga, California (CA)
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Vineyard Bank, National Association - Overview

  • General
  • FDIC Certificate #: 23556
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: California Bank & Trust (#20852)
    Federal Reserve ID: 807665
    Date Established: September 11, 1981
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 17 (Interstate: No)
    FDIC's unique #: 16495
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: September 11, 1981
    Last Structure Change Effective Date: July 17, 2009
    Last Structure Change Process Date: July 20, 2009
    Last Data Update: July 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 9590 Foothill Boulevard, Rancho Cucamonga, CA 91730
    County: San Bernardino
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (North)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Riverside-San Bernardino, CA (#6780)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Riverside-San Bernardino-Ontario, CA (#40140)
    CBSA Metro Statistical Area: Riverside-San Bernardino-Ontario, CA (#40140)
  • History of Changes
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $1,638.4 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, 2008)

  • Dollar figures in thousands
  • 289Total employees (full-time equivalent)
  • $2,014,953Total assets
  • $57,899Cash and due from depository institutions
  • $20,166Interest-bearing balances
  • $114,352Securities
  • $77,000Federal funds sold & reverse repurchase agreements
  • $1,643,368Net loans & leases
  • $44,274Loan loss allowance
  • $0Trading account assets
  • $14,875Bank premises and fixed assets
  • $56,168Other real estate owned
  • $1,346Goodwill and other intangibles
  • $301Life insurance assets
  • $49,945All other assets
  • $2,014,953Total liabilities and capital
  • $1,876,381Total liabilities
  • $1,595,345Total deposits
  • $1,550,224Interest-bearing deposits
  • $1,595,345Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $261,000Other borrowed funds
  • $0Subordinated debt
  • $20,036All other liabilities
  • $138,572Total equity capital
  • $138,572Total bank equity capital
  • $138,572Perpetual preferred stock
  • $0Common stock
  • $1,632Surplus
  • $249,057Undivided profits
  • Memoranda
  • $-112,117Noncurrent loans and leases
  • $159,085Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $337,234Earning assets
  • $3,667Long-term assets (5+ years)
  • $7,455Average Assets, year-to-date
  • $1,854,886Average Assets, quarterly
  • $545,486Volatile liabilities
  • $2,243,973Insider loans
  • $2,051,965FHLB advances
  • $747,717Loans and leases held for sale
  • $1,045Unused loan commitments
  • $261,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,467Total risk weighted assets
  • $159,085Total unused commitments
  • $13,934Restructured Loans and leases
  • $23,200Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $138,926Total interest income
  • $71,603Total interest expense
  • $67,323Net interest income
  • $108,762Provision for loan and lease losses
  • -$12,170Total noninterest income
  • $0Fiduciary activities
  • $1,274Service charges on deposit accounts
  • -$268Trading account gains & fees
  • -$13,176Additional noninterest income
  • $61,591Total noninterest expense
  • $24,350Salaries and employee benefits
  • $11,668Premises and equipment expense
  • $25,573Additional noninterest expense
  • -$115,200Pre-tax net operating income
  • -$5,118Securities gains (losses)
  • $6,234Applicable income taxes
  • -$126,552Income before extraordinary items
  • $0Extraordinary gains - net
  • -$126,552Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $113,337Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.66%Yield on earning assets
  • 3.43%Cost of funding earning assets
  • 3.23%Net interest margin
  • -0.58%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • -5.41%Net operating income to assets
  • -5.64%Return on assets (ROA)
  • -5.36%Pretax return on assets
  • -63.73%Return on equity (ROE)
  • -63.73%Retained earnings to average equity (YTD only)
  • 5.86%Net charge-offs to loans
  • 95.96%Credit loss provision to net charge-offs
  • -0.06%Efficiency ratio
  • 109,999Assets per employee
  • 6.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.62%Loss allowance to noncurrent loans
  • 13.13%Noncurrent assets plus other real estate owned to assets
  • 19.18%Noncurrent loans to loans
  • 19.98%Net loans and leases to deposits
  • 103.01%Net loans and leases to core deposits
  • 154.51%Equity capital to assets
  • 6.88%Core capital (leverage) ratio
  • 6.44%Tier 1 risk-based capital ratio
  • 7.18%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $2,243,973Average earning assets
  • $198,571Average equity
  • $2,086,519Average loans

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