Bank of Santa Clarita in Santa Clarita, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Santa Clarita in Santa Clarita, California (CA)
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Bank of Santa Clarita - Overview

  • General
  • FDIC Certificate #: 57816
    Status: Active
    Federal Reserve ID: 3302312
    Date Established: October 26, 2004
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 426557
    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 26, 2004
    Last Structure Change Effective Date: June 02, 2011
    Last Structure Change Process Date: June 02, 2011
    Last Data Update: June 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 23780 Magic Mountain Parkway, Santa Clarita, CA 91355
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (North)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Los Angeles-Long Beach, CA (#4480)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Los Angeles-Long Beach-Glendale, CA (#31084)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $208.5 mil
    Equity capital: $20.8 mil
    Deposits held in domestic offices: $150.5 mil
    Return on assets (ROA): 0.18% ($0.4 mil)
    Quarterly return on assets: 0.42% ($0.9 mil)
    Return on Equity (ROE): 1.86% ($0.4 mil)
    Quarterly return on equity: 4.30% ($0.9 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.29% ($604.6 mil)
    Quarterly Pretax return on assets: 0.72% ($1,501.1 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
  • 35Total employees (full-time equivalent)
  • $208,486Total assets
  • $26,961Cash and due from depository institutions
  • $22,941Interest-bearing balances
  • $32,757Securities
  • $1,855Federal funds sold & reverse repurchase agreements
  • $135,480Net loans & leases
  • $1,756Loan loss allowance
  • $0Trading account assets
  • $7,126Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $208,486Life insurance assets
  • $4,307All other assets
  • $187,729Total liabilities and capital
  • $150,531Total liabilities
  • $107,223Total deposits
  • $150,531Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $36,500Trading liabilities
  • $0Other borrowed funds
  • $698Subordinated debt
  • $20,757All other liabilities
  • $20,757Total equity capital
  • $20,757Total bank equity capital
  • $0Perpetual preferred stock
  • $21,712Common stock
  • $382Surplus
  • $-1,337Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16Income earned, not collected on loans
  • $0Earning assets
  • $614Long-term assets (5+ years)
  • $193,033Average Assets, year-to-date
  • $105,398Average Assets, quarterly
  • $208,328Volatile liabilities
  • $210,369Insider loans
  • $149,342FHLB advances
  • $209,840Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,845Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,794Restructured Loans and leases
  • $2,376Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,824Total interest income
  • $2,191Total interest expense
  • $6,633Net interest income
  • $50Provision for loan and lease losses
  • $462Total noninterest income
  • $0Fiduciary activities
  • $344Service charges on deposit accounts
  • $0Trading account gains & fees
  • $118Additional noninterest income
  • $6,637Total noninterest expense
  • $3,369Salaries and employee benefits
  • $1,318Premises and equipment expense
  • $1,950Additional noninterest expense
  • $408Pre-tax net operating income
  • $205Securities gains (losses)
  • $232Applicable income taxes
  • $381Income before extraordinary items
  • $0Extraordinary gains - net
  • $381Net income attributable to bank
  • $0Net charge-offs
  • $381Cash dividends
  • -$4Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.43%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.29%Pretax return on assets
  • 1.86%Return on equity (ROE)
  • 1.86%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -1250.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 93,545Assets per employee
  • 5.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 10975.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 90.00%Net loans and leases to core deposits
  • 134.51%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 9.93%Tier 1 risk-based capital ratio
  • 13.96%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $208,328Average earning assets
  • $20,457Average equity
  • $193,427Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0426557Bank Of Santa Clarita23780 Magic Mountain Parkway, Santa Clarita, CA 91355October 26, 2004Full Service Brick and Mortar
    1460066Soledad Canyon Road Branch21021 Soledad Canyon Road, Unit 104, Santa Clarita, CA 91351Febuary 12, 2007Full Service Brick and Mortar
    2492797Golden Valley Office Branch19045 Golden Valley Rd Ste 115, Santa Clarita, CA 91387March 12, 2009Full Service Brick and Mortar

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