Western Sierra National Bank in Cameron Park, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 03, 2006

  • Western Sierra National Bank in Cameron Park, California (CA)
  • Show street view No street view available for this location

Western Sierra National Bank - Overview

  • General
  • FDIC Certificate #: 24903
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Umpqua Bank (#17266)
    Federal Reserve ID: 7166
    Date Established: January 04, 1984
    WWW: http://www.wsnb.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Interstate: No)
    OTS Docket #: 13088
    FDIC's unique #: 17266
    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: January 04, 1984
    Last Structure Change Effective Date: June 03, 2006
    Last Structure Change Process Date: June 08, 2006
    Last Data Update: June 08, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4011 Plaza Goldorado Circle, Cameron Park, CA 95682
    County: El Dorado
    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: $577.7 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, 2005)

  • Dollar figures in thousands
  • 134Total employees (full-time equivalent)
  • $605,986Total assets
  • $21,214Cash and due from depository institutions
  • $104Interest-bearing balances
  • $34,140Securities
  • $21,175Federal funds sold & reverse repurchase agreements
  • $497,066Net loans & leases
  • $7,301Loan loss allowance
  • $0Trading account assets
  • $7,438Bank premises and fixed assets
  • $0Other real estate owned
  • $43Goodwill and other intangibles
  • $0Life insurance assets
  • $24,910All other assets
  • $605,986Total liabilities and capital
  • $545,877Total liabilities
  • $500,689Total deposits
  • $349,196Interest-bearing deposits
  • $500,689Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $42,000Other borrowed funds
  • $0Subordinated debt
  • $3,188All other liabilities
  • $60,109Total equity capital
  • $60,109Total bank equity capital
  • $60,109Perpetual preferred stock
  • $0Common stock
  • $5,220Surplus
  • $6,352Undivided profits
  • Memoranda
  • $48,537Noncurrent loans and leases
  • $151,583Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $201Earning assets
  • $123Long-term assets (5+ years)
  • $2,445Average Assets, year-to-date
  • $552,485Average Assets, quarterly
  • $171,624Volatile liabilities
  • $584,706Insider loans
  • $610,806FHLB advances
  • $156,512Loans and leases held for sale
  • $1,309Unused loan commitments
  • $42,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,582Total risk weighted assets
  • $151,583Total unused commitments
  • $0Restructured Loans and leases
  • $6,731Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $36,430Total interest income
  • $7,474Total interest expense
  • $28,956Net interest income
  • $1,045Provision for loan and lease losses
  • $7,472Total noninterest income
  • $0Fiduciary activities
  • $1,957Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,515Additional noninterest income
  • $16,980Total noninterest expense
  • $8,270Salaries and employee benefits
  • $2,401Premises and equipment expense
  • $6,309Additional noninterest expense
  • $18,403Pre-tax net operating income
  • $1Securities gains (losses)
  • $6,724Applicable income taxes
  • $11,680Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,680Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $111Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.83%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 5.43%Net interest margin
  • 1.40%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 2.00%Net operating income to assets
  • 2.00%Return on assets (ROA)
  • 3.15%Pretax return on assets
  • 21.55%Return on equity (ROE)
  • 21.55%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 941.44%Credit loss provision to net charge-offs
  • 175.21%Efficiency ratio
  • 46,511Assets per employee
  • 4.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 3632.34%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 99.28%Net loans and leases to core deposits
  • 129.38%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 10.08%Tier 1 risk-based capital ratio
  • 11.12%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $584,706Average earning assets
  • $54,208Average equity
  • $533,577Average 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 Western Sierra National Bank.
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