Charter Oak Bank
Napa, CA — Non-member Bank
Acquired Feb 2011
Vitals
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Total Assets120.8M -21.2 %
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Total Deposits105.3M -17.8 %
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Total Net Loans101.3M -20.2 %
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Net Income-13237000.0000
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Book Value587000.0000 -95.7 %
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Book Value x21.2M -95.7 %
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Book Value x31.8M -95.7 %
Balance Sheet Highlights
| Financial Highlights | Charter Oak Bank | All Insured Commercial Banks in California |
| Balance Sheet $(000) | ||
| Total Assets | 120,833 | 544,737 |
| Total Net Loans | 101,296 | 345,679 |
| Total Deposits | 105,309 | 414,635 |
| Total Equity | 587 | 68,648 |
| Profitability | ||
| Net Income | -13,237 | 1,116 |
| Return on Average Assets | -9.418 | -.207 |
| Return on Average Equity | -175.571 | -2.492 |
| Net Interest Margin | 4.597 | 4.047 |
| Efficiency Ratio | 81.068 | 79.38 |
| Noninterest Income/Revenue | 10.022 | 11.433 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 96.189 | 81.15 |
| Securities/Assets | .144 | |
| Total Equity/Total Assets | .005 | .126 |
| Tangible Equity/Tangible Assets | .005 | .121 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 587 | 62,322 |
| Tier 2 Capital | 587 | 4,868 |
| Total Capital | 1,174 | 67,233 |
| Total Risk Weighted Assets | 111,066 | 386,531 |
| Leverage Ratio | .44 | 11.49 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | .53 | 15.807 |
| Total Capital Ratio | 1.06 | 17.095 |
Timeline for Charter Oak Bank
Charter Oak Bank was acquired by 13 years
Feb 19 2011
Charter Oak Bank
Charter Oak Bank was established 19 years ago and is currently headquartered in Napa, CA.
Dec 17 2004| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Bank Of Marin | Buyer | 2,054,745 | Failure | 2/19/2011 |
| Relationships | Role | Relationship Start | Relationship End |
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