American Perspective Bank in San Luis Obispo, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • American Perspective Bank in San Luis Obispo, California (CA)
  • Show street view No street view available for this location

American Perspective Bank - Overview

  • General
  • FDIC Certificate #: 58614
    Status: Active
    Federal Reserve ID: 3641552
    Date Established: October 15, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 458361
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 15, 2007
    Last Structure Change Effective Date: October 28, 2010
    Last Structure Change Process Date: October 28, 2010
    Last Data Update: October 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 4051 Broad Street, Suite 140, San Luis Obispo, CA 93401
    County: San Luis Obispo
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (West)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Luis Obispo-Atascadero-Paso Robles, CA (#7460)
    Core Based Statistical Area (CBSA): San Luis Obispo-Paso Robles, CA (#42020)
    CBSA Metro Statistical Area: San Luis Obispo-Paso Robles, CA (#42020)
  • Financial Summary
  • Total assets: $259.2 mil
    Equity capital: $43.2 mil
    Deposits held in domestic offices: $210.4 mil
    Return on assets (ROA): 1.14% ($3.0 mil)
    Quarterly return on assets: 2.30% ($6.0 mil)
    Return on Equity (ROE): 6.80% ($2.9 mil)
    Quarterly return on equity: 13.97% ($6.0 mil)
    Net income: $2.8 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.87% ($2,254.7 mil)
    Quarterly Pretax return on assets: 1.25% ($3,239.5 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 38Total employees (full-time equivalent)
  • $259,163Total assets
  • $5,102Cash and due from depository institutions
  • $1,964Interest-bearing balances
  • $64,932Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $181,281Net loans & leases
  • $3,292Loan loss allowance
  • $0Trading account assets
  • $1,208Bank premises and fixed assets
  • $2,013Other real estate owned
  • $8Goodwill and other intangibles
  • $259,163Life insurance assets
  • $4,619All other assets
  • $215,959Total liabilities and capital
  • $210,380Total liabilities
  • $174,607Total deposits
  • $210,380Interest-bearing deposits
  • $56Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $579Subordinated debt
  • $43,204All other liabilities
  • $43,204Total equity capital
  • $43,204Total bank equity capital
  • $0Perpetual preferred stock
  • $43,535Common stock
  • $223Surplus
  • $-554Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $688Long-term assets (5+ years)
  • $248,177Average Assets, year-to-date
  • $129,578Average Assets, quarterly
  • $245,596Volatile liabilities
  • $257,218Insider loans
  • $195,946FHLB advances
  • $256,968Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $42,815Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $37,107Restructured Loans and leases
  • $5,989Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,389Total interest income
  • $1,902Total interest expense
  • $9,487Net interest income
  • $848Provision for loan and lease losses
  • -$274Total noninterest income
  • $0Fiduciary activities
  • $65Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$339Additional noninterest income
  • $6,302Total noninterest expense
  • $3,202Salaries and employee benefits
  • $923Premises and equipment expense
  • $2,177Additional noninterest expense
  • $2,063Pre-tax net operating income
  • $66Securities gains (losses)
  • -$674Applicable income taxes
  • $2,803Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,803Net income attributable to bank
  • $0Net charge-offs
  • $2,803Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.03%Net interest margin
  • -0.12%Noninterest income to earning assets
  • 2.68%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 6.80%Return on equity (ROE)
  • 6.80%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,403Assets per employee
  • 6.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 86.17%Net loans and leases to core deposits
  • 109.84%Equity capital to assets
  • 16.67%Core capital (leverage) ratio
  • 16.66%Tier 1 risk-based capital ratio
  • 21.85%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $245,596Average earning assets
  • $41,245Average equity
  • $235,187Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0458361American Perspective Bank4051 Broad Street, Suite 140, San Luis Obispo, CA 93401October 15, 2007Full Service Brick and Mortar
    1521533Santa Maria Branch2646 Santa Maria Way, Suite 101, Santa Maria, CA 93455July 21, 2010Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with American Perspective Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents