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This institution is no longer active

Operations ceased on July 12, 2003. CRA examination history below reflects the period it was active.

CENTRAL SIERRA BANK

SAN ANDREAS, CA · Supervised by FDIC

Est. 1981FDIC #23,579RSSD: FDIC-23579
Satisfactory Same

Current rating · Exam: January 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.10%

Institution Profile

FDIC BankFind

Address

373 West St. Charles Street, SAN ANDREAS, CA

County

Calaveras County

Established

November 12, 1981

Total Assets

$148M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2003Call Report / FDIC

Total Assets

$148M

Total Deposits

$129M

Net Loans

$82M

Net Income

$-72K

ROA

-0.10%

ROE

-1.33%

Risk-Based Capital

12.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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