Home > Modesto Commerce Bank > Assets and Liabilities
Modesto Commerce Bank, Assets and Liabilities
| 2003-09-30 | Rank | |
| # of Employees: | 44 | 3,774 |
| Assets and Liabilities | ||
| Total Assets: | $307,591,000 | 1,839 |
| Cash and due from depository institutions | $23,530,000 | 3,774 |
| Interest-bearing balances | $2,277,000 | 2,203 |
| Securities | $23,805,000 | 4,279 |
| Federal funds sold & reverse repurchase agreements | $51,245,000 | 307 |
| Net loans & leases | $204,679,000 | 1,737 |
| Loan loss allowance | $2,609,000 | 1,764 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,346,000 | 5,189 |
| Other real estate owned | $0 | 3,774 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $2,986,000 | 3,666 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $307,591,000 | 1,839 |
| Total liabilities | $285,112,000 | 1,788 |
| Total deposits | $267,991,000 | 1,689 |
| Interest-bearing deposits | $176,258,000 | 2,203 |
| Deposits held in domestic offices | $267,991,000 | 1,687 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $16,565,000 | 1,767 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $556,000 | 4,743 |
| Total equity capital | $22,479,000 | 2,444 |
| Total bank equity capital | $22,479,000 | 2,444 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $14,324,000 | 198 |
| Surplus | $0 | 8,515 |
| Undivided profits | $8,155,000 | 3,457 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,319 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $1,020,000 | 3,077 |
| Earning assets | $282,006,000 | 1,833 |
| Long-term assets (5+ years) | $100,293,000 | 1,081 |
| Average Assets, year-to-date | $294,058,250 | 1,866 |
| Average Assets, quarterly | $303,295,500 | 1,854 |
| Volatile liabilities | $65,579,000 | 1,534 |
| Insider loans | $15,176,000 | 296 |
| FHLB advances | $16,565,000 | 1,647 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $95,548,000 | 885 |
| Tier 1 (core) risk-based capital | $22,401,000 | 2,332 |
| Tier 2 risk-based capital | $2,609,000 | 1,643 |
| Total risk weighted assets | $249,340,000 | 1,545 |
| Total unused commitments | $95,548,000 | 887 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 45 | 3,706 |
| Assets and Liabilities | ||
| Total Assets: | $299,000,000 | 1,878 |
| Cash and due from depository institutions | $26,477,000 | 3,706 |
| Interest-bearing balances | $2,238,000 | 2,359 |
| Securities | $28,837,000 | 3,650 |
| Federal funds sold & reverse repurchase agreements | $44,905,000 | 354 |
| Net loans & leases | $194,500,000 | 1,791 |
| Loan loss allowance | $2,520,000 | 1,781 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $1,400,000 | 5,063 |
| Other real estate owned | $0 | 3,706 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $2,881,000 | 3,617 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $299,000,000 | 1,878 |
| Total liabilities | $277,601,000 | 1,817 |
| Total deposits | $259,434,000 | 1,732 |
| Interest-bearing deposits | $167,322,000 | 2,281 |
| Deposits held in domestic offices | $259,434,000 | 1,727 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $17,565,000 | 1,700 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $602,000 | 4,590 |
| Total equity capital | $21,399,000 | 2,548 |
| Total bank equity capital | $21,399,000 | 2,548 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $14,324,000 | 196 |
| Surplus | $0 | 8,544 |
| Undivided profits | $7,075,000 | 3,839 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,340 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $973,000 | 3,078 |
| Earning assets | $270,480,000 | 1,887 |
| Long-term assets (5+ years) | $90,078,000 | 1,130 |
| Average Assets, year-to-date | $289,547,330 | 1,883 |
| Average Assets, quarterly | $292,863,500 | 1,890 |
| Volatile liabilities | $65,816,000 | 1,512 |
| Insider loans | $15,926,000 | 284 |
| FHLB advances | $17,565,000 | 1,580 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $88,847,000 | 931 |
| Tier 1 (core) risk-based capital | $21,201,000 | 2,403 |
| Tier 2 risk-based capital | $2,520,000 | 1,650 |
| Total risk weighted assets | $236,957,000 | 1,596 |
| Total unused commitments | $88,847,000 | 936 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 45 | 3,670 |
| Assets and Liabilities | ||
| Total Assets: | $286,727,000 | 1,911 |
| Cash and due from depository institutions | $24,613,000 | 3,670 |
| Interest-bearing balances | $2,208,000 | 2,397 |
| Securities | $21,355,000 | 4,464 |
| Federal funds sold & reverse repurchase agreements | $58,200,000 | 283 |
| Net loans & leases | $178,506,000 | 1,926 |
| Loan loss allowance | $2,429,000 | 1,807 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $1,458,000 | 4,942 |
| Other real estate owned | $0 | 3,670 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $2,595,000 | 3,882 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $286,727,000 | 1,911 |
| Total liabilities | $266,404,000 | 1,857 |
| Total deposits | $247,205,000 | 1,783 |
| Interest-bearing deposits | $156,779,000 | 2,434 |
| Deposits held in domestic offices | $247,205,000 | 1,780 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $18,565,000 | 1,584 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $634,000 | 4,497 |
| Total equity capital | $20,323,000 | 2,605 |
| Total bank equity capital | $20,323,000 | 2,605 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $14,324,000 | 194 |
| Surplus | $0 | 8,583 |
| Undivided profits | $5,999,000 | 4,184 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,000 | 8,318 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $879,000 | 3,424 |
| Earning assets | $260,269,000 | 1,923 |
| Long-term assets (5+ years) | $81,083,000 | 1,193 |
| Average Assets, year-to-date | $284,821,000 | 1,903 |
| Average Assets, quarterly | $284,821,000 | 1,903 |
| Volatile liabilities | $61,317,000 | 1,548 |
| Insider loans | $14,285,000 | 314 |
| FHLB advances | $18,565,000 | 1,480 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $93,054,000 | 863 |
| Tier 1 (core) risk-based capital | $20,206,000 | 2,463 |
| Tier 2 risk-based capital | $2,429,000 | 1,671 |
| Total risk weighted assets | $220,780,000 | 1,657 |
| Total unused commitments | $93,054,000 | 867 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 45 | 3,653 |
| Assets and Liabilities | ||
| Total Assets: | $282,915,000 | 1,903 |
| Cash and due from depository institutions | $23,090,000 | 3,653 |
| Interest-bearing balances | $2,184,000 | 2,285 |
| Securities | $17,815,000 | 4,987 |
| Federal funds sold & reverse repurchase agreements | $64,270,000 | 247 |
| Net loans & leases | $173,321,000 | 1,959 |
| Loan loss allowance | $2,637,000 | 1,650 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $1,522,000 | 4,831 |
| Other real estate owned | $0 | 3,653 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $2,897,000 | 3,566 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $282,915,000 | 1,903 |
| Total liabilities | $263,380,000 | 1,847 |
| Total deposits | $244,297,000 | 1,764 |
| Interest-bearing deposits | $149,972,000 | 2,480 |
| Deposits held in domestic offices | $244,297,000 | 1,761 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $18,565,000 | 1,595 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $518,000 | 5,125 |
| Total equity capital | $19,535,000 | 2,675 |
| Total bank equity capital | $19,535,000 | 2,675 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $14,324,000 | 194 |
| Surplus | $0 | 8,619 |
| Undivided profits | $5,211,000 | 4,523 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $337,000 | 4,975 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,057,000 | 3,039 |
| Earning assets | $257,590,000 | 1,899 |
| Long-term assets (5+ years) | $73,503,000 | 1,272 |
| Average Assets, year-to-date | $239,447,400 | 2,140 |
| Average Assets, quarterly | $270,839,500 | 1,968 |
| Volatile liabilities | $49,393,000 | 1,856 |
| Insider loans | $13,611,000 | 327 |
| FHLB advances | $18,565,000 | 1,477 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $79,336,000 | 951 |
| Tier 1 (core) risk-based capital | $19,363,000 | 2,522 |
| Tier 2 risk-based capital | $2,637,000 | 1,538 |
| Total risk weighted assets | $215,409,000 | 1,664 |
| Total unused commitments | $79,336,000 | 953 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 36 | 4,380 |
| Assets and Liabilities | ||
| Total Assets: | $210,825,000 | 2,422 |
| Cash and due from depository institutions | $12,387,000 | 4,380 |
| Interest-bearing balances | $1,138,000 | 2,830 |
| Securities | $14,537,000 | 5,467 |
| Federal funds sold & reverse repurchase agreements | $37,675,000 | 394 |
| Net loans & leases | $143,313,000 | 2,264 |
| Loan loss allowance | $1,863,000 | 2,137 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $448,000 | 7,503 |
| Other real estate owned | $0 | 4,380 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $2,465,000 | 3,945 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $210,825,000 | 2,422 |
| Total liabilities | $193,736,000 | 2,384 |
| Total deposits | $177,542,000 | 2,334 |
| Interest-bearing deposits | $116,037,000 | 2,989 |
| Deposits held in domestic offices | $177,542,000 | 2,328 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $15,700,000 | 1,635 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $494,000 | 5,452 |
| Total equity capital | $17,089,000 | 2,833 |
| Total bank equity capital | $17,089,000 | 2,833 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $14,324,000 | 189 |
| Surplus | $0 | 8,858 |
| Undivided profits | $2,765,000 | 5,846 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,000 | 8,268 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $740,000 | 4,493 |
| Earning assets | $196,663,000 | 2,370 |
| Long-term assets (5+ years) | $25,327,000 | 2,819 |
| Average Assets, year-to-date | $181,971,000 | 2,645 |
| Average Assets, quarterly | $200,859,000 | 2,508 |
| Volatile liabilities | $42,248,000 | 2,032 |
| Insider loans | $11,237,000 | 367 |
| FHLB advances | $15,700,000 | 1,509 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $77,209,000 | 919 |
| Tier 1 (core) risk-based capital | $16,978,000 | 2,723 |
| Tier 2 risk-based capital | $1,863,000 | 1,970 |
| Total risk weighted assets | $173,256,000 | 1,948 |
| Total unused commitments | $77,209,000 | 919 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 29 | 5,222 |
| Assets and Liabilities | ||
| Total Assets: | $161,990,000 | 2,948 |
| Cash and due from depository institutions | $10,836,000 | 5,222 |
| Interest-bearing balances | $99,000 | 4,814 |
| Securities | $14,777,000 | 5,617 |
| Federal funds sold & reverse repurchase agreements | $41,800,000 | 310 |
| Net loans & leases | $92,922,000 | 3,241 |
| Loan loss allowance | $1,573,000 | 2,375 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $311,000 | 8,272 |
| Other real estate owned | $0 | 5,222 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $1,344,000 | 5,201 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $161,990,000 | 2,948 |
| Total liabilities | $145,013,000 | 2,974 |
| Total deposits | $140,182,000 | 2,770 |
| Interest-bearing deposits | $96,447,000 | 3,413 |
| Deposits held in domestic offices | $140,182,000 | 2,764 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $4,002,000 | 3,150 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $829,000 | 4,140 |
| Total equity capital | $16,977,000 | 2,748 |
| Total bank equity capital | $16,977,000 | 2,748 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $14,325,000 | 214 |
| Surplus | $0 | 9,124 |
| Undivided profits | $2,652,000 | 5,941 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,688 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $619,000 | 4,363 |
| Earning assets | $149,598,000 | 2,939 |
| Long-term assets (5+ years) | $22,502,000 | 2,933 |
| Average Assets, year-to-date | $125,650,800 | 3,521 |
| Average Assets, quarterly | $145,462,000 | 3,208 |
| Volatile liabilities | $22,633,000 | 3,356 |
| Insider loans | $7,478,000 | 598 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $55,865,000 | 1,071 |
| Tier 1 (core) risk-based capital | $16,940,000 | 2,646 |
| Tier 2 risk-based capital | $1,538,880 | 2,261 |
| Total risk weighted assets | $123,075,980 | 2,578 |
| Total unused commitments | $55,865,000 | 1,072 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 25 | 5,920 |
| Assets and Liabilities | ||
| Total Assets: | $106,264,000 | 4,192 |
| Cash and due from depository institutions | $3,466,000 | 5,920 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $8,382,000 | 7,533 |
| Federal funds sold & reverse repurchase agreements | $27,605,000 | 396 |
| Net loans & leases | $65,448,000 | 4,204 |
| Loan loss allowance | $1,100,000 | 3,153 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $484,000 | 7,769 |
| Other real estate owned | $0 | 5,920 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $879,000 | 6,606 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $106,264,000 | 4,192 |
| Total liabilities | $91,972,000 | 4,333 |
| Total deposits | $91,643,000 | 4,038 |
| Interest-bearing deposits | $63,118,000 | 4,859 |
| Deposits held in domestic offices | $91,643,000 | 4,034 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $7,000 | 5,716 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $322,000 | 6,743 |
| Total equity capital | $14,292,000 | 3,087 |
| Total bank equity capital | $14,292,000 | 3,087 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $13,695,000 | 248 |
| Surplus | $0 | 9,427 |
| Undivided profits | $597,000 | 8,301 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,001 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $407,000 | 5,338 |
| Earning assets | $101,435,000 | 4,024 |
| Long-term assets (5+ years) | $14,879,000 | 3,970 |
| Average Assets, year-to-date | $86,159,800 | 4,823 |
| Average Assets, quarterly | $99,349,000 | 4,382 |
| Volatile liabilities | $16,609,000 | 3,940 |
| Insider loans | $5,263,000 | 881 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $37,010,000 | 1,494 |
| Tier 1 (core) risk-based capital | $14,414,000 | 3,042 |
| Tier 2 risk-based capital | $1,091,320 | 2,908 |
| Total risk weighted assets | $87,296,520 | 3,344 |
| Total unused commitments | $37,010,000 | 1,496 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 18 | 7,238 |
| Assets and Liabilities | ||
| Total Assets: | $72,195,000 | 5,604 |
| Cash and due from depository institutions | $4,548,000 | 7,238 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $3,635,000 | 9,250 |
| Federal funds sold & reverse repurchase agreements | $27,040,000 | 582 |
| Net loans & leases | $36,306,000 | 6,048 |
| Loan loss allowance | $500,000 | 5,623 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $403,000 | 8,190 |
| Other real estate owned | $0 | 7,238 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $263,000 | 9,593 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $72,195,000 | 5,604 |
| Total liabilities | $58,687,000 | 5,947 |
| Total deposits | $58,559,000 | 5,717 |
| Interest-bearing deposits | $36,568,000 | 6,893 |
| Deposits held in domestic offices | $58,559,000 | 5,714 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $12,000 | 5,128 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $116,000 | 9,570 |
| Total equity capital | $13,508,000 | 3,311 |
| Total bank equity capital | $13,508,000 | 3,311 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $13,695,000 | 256 |
| Surplus | $0 | 9,669 |
| Undivided profits | $-187,000 | 9,903 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $205,000 | 7,842 |
| Earning assets | $66,981,000 | 5,552 |
| Long-term assets (5+ years) | $10,778,000 | 4,544 |
| Average Assets, year-to-date | $44,339,500 | 7,194 |
| Average Assets, quarterly | $62,485,500 | 6,056 |
| Volatile liabilities | $10,462,000 | 4,863 |
| Insider loans | $3,299,000 | 1,311 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $23,715,000 | 1,982 |
| Tier 1 (core) risk-based capital | $13,506,000 | 3,148 |
| Tier 2 risk-based capital | $500,000 | 5,219 |
| Total risk weighted assets | $50,894,100 | 5,013 |
| Total unused commitments | $23,715,000 | 1,985 |
| Derivatives | $0 | 527 |