Cupertino National Bank Financial Statements & Health Reports

Acquired Feb 2004

Vitals

Total Assets

2.1B -6.4 %
Total Deposits

1.4B 13.2 %
Total Net Loans

1.6B -7.4 %
Net Income

25.9M 13.5 %
Book Value

197.3M 11.6 %
Book Value x2

394.7M 11.6 %
Book Value x3

592.0M 11.6 %

ROAA

1.201

ROAE

13.739

Efficiency Ratio

57.23

Net Interest Margin

5.721

Balance Sheet Highlights

Financial Highlights	Cupertino National Bank	All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets	2,117,750	423,676
Total Net Loans	1,555,546	324,429
Total Deposits	1,372,356	333,683
Total Equity	248,768	45,907
Profitability
Net Income	25,881	30,937
Return on Average Assets	1.201	1.346
Return on Average Equity	13.739	13.116
Net Interest Margin	5.721	4.433
Efficiency Ratio	57.23	78.394
Noninterest Income/Revenue	15.824	20.03
Balance Sheet Ratios
Loan-to-Deposit	113.349	78.78
Securities/Assets	.15	.76
Total Equity/Total Assets	.117	.108
Tangible Equity/Tangible Assets	.08	-.599
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	217,362	39,278
Tier 2 Capital	26,970	5,252
Total Capital	244,332	43,542
Total Risk Weighted Assets	1,827,875	320,160
Leverage Ratio	10.39	11.115
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	11.89	15.254
Total Capital Ratio	13.37	16.471

Timeline for Cupertino National Bank

Greater Bay Bank, National Association

Cupertino National Bank was acquired by Greater Bay Bank, National Association 20 years

View Profile Feb 02 2004

Cupertino Capital Llc

Cupertino Capital Llc became a new subsidiary organization for Cupertino National Bank.

View Profile Sep 28 2001

Cnb Investment Trust I

Cnb Investment Trust I became a new subsidiary organization for Cupertino National Bank.

View Profile Sep 28 2001

Greater Bay Bancorp

Greater Bay Bancorp became a new parent organization for Cupertino National Bank.

View Profile Nov 28 1996