Vitals
  • Total Assets
    460.9M 12.3 %
  • Total Deposits
    397.6M 11.9 %
  • Total Net Loans
    335.4M 10.7 %
  • Net Income
    2.2M 56.0 %
  • Book Value
    55.6M 8.5 %
  • Book Value x2
    111.1M 8.5 %
  • Book Value x3
    166.7M 8.5 %
ROAA

2.048

ROAE

16.408

Efficiency Ratio

43.311

Net Interest Margin

5.944

Balance Sheet Highlights
Financial Highlights Central California Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 460,862 523,813
Total Net Loans 335,369 409,974
Total Deposits 397,625 403,829
Total Equity 55,559 62,026
Profitability
Net Income 2,236 5,302
Return on Average Assets 2.048 1.515
Return on Average Equity 16.408 14.17
Net Interest Margin 5.944 4.977
Efficiency Ratio 43.311 69.95
Noninterest Income/Revenue 11.906 18.998
Balance Sheet Ratios
Loan-to-Deposit 84.343 85.349
Securities/Assets .073 .575
Total Equity/Total Assets .121 .118
Tangible Equity/Tangible Assets .083 -.191
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 39,895 52,941
Tier 2 Capital 4,562 5,884
Total Capital 44,457 58,207
Total Risk Weighted Assets 364,223 413,878
Leverage Ratio 9.48 13.439
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.95 17.258
Total Capital Ratio 12.21 18.405

Timeline for Central California Bank

Umpqua Bank

Central California Bank was acquired by Umpqua Bank 17 years

View Profile Jun 03 2006

Central Sierra Bank

Acquisition: Central California Bank acquired a new subsidiary, Central Sierra Bank, 20 years

View Profile Jul 12 2003

Central California Bank

Central California Bank was established 22 years ago and is currently headquartered in Sonora, CA.

Apr 01 2002

Western Sierra Bancorp

Western Sierra Bancorp became a new parent organization for Central California Bank.

View Profile Apr 01 2002
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Umpqua Bank Buyer 24,730,514 Acquisition Discontinued 6/3/2006
Central Sierra Bank Seller 147,873 Acquisition Discontinued 7/12/2003
Relationships Role Relationship Start Relationship End
Western Sierra Bancorp Parent 4/1/2002 6/2/2006
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