Westcal National Bank in San Mateo, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 04, 1994

  • Westcal National Bank in San Mateo, California (CA)
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Westcal National Bank - Overview

  • General
  • FDIC Certificate #: 26730
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Greater Bay Bank, National Association (#27068)
    Federal Reserve ID: 19365
    Date Established: July 21, 1986
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 35811
    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: July 21, 1986
    Last Structure Change Effective Date: October 04, 1994
    Last Structure Change Process Date: October 19, 1994
    Last Data Update: October 19, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 South Ellsworth Avenue, San Mateo, CA 94401
    County: San Mateo
    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): San Francisco, CA (#7360)
    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: San Francisco-San Mateo-Redwood City, CA (#41884)
  • Financial Summary
  • Total assets: $37.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $20Total assets
  • $32,143Cash and due from depository institutions
  • $5,218Interest-bearing balances
  • $99Securities
  • $5,379Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $21,183Loan loss allowance
  • $275Trading account assets
  • $0Bank premises and fixed assets
  • $54Other real estate owned
  • $0Goodwill and other intangibles
  • $309Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $32,143Total liabilities
  • $27,269Total deposits
  • $27,216Interest-bearing deposits
  • $21,626Deposits held in domestic offices
  • 27216.00%% insured (estimated)
  • $77Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $53Total equity capital
  • $53Total bank equity capital
  • $4,874Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $2,600Undivided profits
  • Memoranda
  • $774Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24Income earned, not collected on loans
  • $77Earning assets
  • $26,661Long-term assets (5+ years)
  • $370Average Assets, year-to-date
  • $35,884Average Assets, quarterly
  • $33,883Volatile liabilities
  • $4,056Insider loans
  • $1,733FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,790Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,854Total risk weighted assets
  • $22,964Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,405Total interest expense
  • $740Net interest income
  • $1,665Provision for loan and lease losses
  • $52Total noninterest income
  • $166Fiduciary activities
  • $0Service charges on deposit accounts
  • $140Trading account gains & fees
  • $0Additional noninterest income
  • $26Total noninterest expense
  • $1,535Salaries and employee benefits
  • $785Premises and equipment expense
  • $246Additional noninterest expense
  • $504Pre-tax net operating income
  • $244Securities gains (losses)
  • $0Applicable income taxes
  • $93Income before extraordinary items
  • $151Extraordinary gains - net
  • $83Net income attributable to bank
  • $234Net charge-offs
  • $108Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.81%Cost of funding earning assets
  • 2.40%Net interest margin
  • 5.41%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 4.98%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 0.91%Return on equity (ROE)
  • 4.92%Retained earnings to average equity (YTD only)
  • 4.92%Net charge-offs to loans
  • 0.47%Credit loss provision to net charge-offs
  • 48.15%Efficiency ratio
  • 83,834Assets per employee
  • 1.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 1145.83%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 77.83%Net loans and leases to core deposits
  • 91.46%Equity capital to assets
  • 15.16%Core capital (leverage) ratio
  • 13.98%Tier 1 risk-based capital ratio
  • 21.14%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $35,884Average earning assets
  • $4,752Average equity
  • $30,804Average loans

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