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)
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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

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