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

This bank is inactive as of July 10, 1998

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

  • General
  • FDIC Certificate #: 22623
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mid-State Bank & Trust (#18396)
    Federal Reserve ID: 368063
    Date Established: March 18, 1978
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Interstate: No)
    FDIC's unique #: 15783
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 18, 1978
    Last Structure Change Effective Date: July 10, 1998
    Last Structure Change Process Date: July 27, 1998
    Last Data Update: July 27, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 2739 Santa Maria Way, Santa Maria, CA 93456
    County: Santa Barbara
    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): Santa Barbara-Santa Maria-Lompoc, CA (#7480)
    Core Based Statistical Area (CBSA): Santa Barbara-Santa Maria-Goleta, CA (#42060)
    CBSA Metro Statistical Area: Santa Barbara-Santa Maria-Goleta, CA (#42060)
  • Financial Summary
  • Total assets: $338.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 199Total employees (full-time equivalent)
  • $343,894Total assets
  • $18,473Cash and due from depository institutions
  • $0Interest-bearing balances
  • $108,911Securities
  • $7,461Federal funds sold & reverse repurchase agreements
  • $189,230Net loans & leases
  • $2,115Loan loss allowance
  • $0Trading account assets
  • $12,709Bank premises and fixed assets
  • $969Other real estate owned
  • $1,737Goodwill and other intangibles
  • $0Life insurance assets
  • $4,404All other assets
  • $343,894Total liabilities and capital
  • $308,155Total liabilities
  • $306,477Total deposits
  • $231,841Interest-bearing deposits
  • $306,477Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,678All other liabilities
  • $35,739Total equity capital
  • $35,739Total bank equity capital
  • $35,739Perpetual preferred stock
  • $0Common stock
  • $11,460Surplus
  • $0Undivided profits
  • Memoranda
  • $24,279Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $822Earning assets
  • $0Long-term assets (5+ years)
  • $1,658Average Assets, year-to-date
  • $305,602Average Assets, quarterly
  • $26,096Volatile liabilities
  • $326,539Insider loans
  • $339,790FHLB advances
  • $37,989Loans and leases held for sale
  • $4,601Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $850Total risk weighted assets
  • $53,823Total unused commitments
  • $0Restructured Loans and leases
  • $232,858Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $24,977Total interest income
  • $8,425Total interest expense
  • $16,552Net interest income
  • $30Provision for loan and lease losses
  • $3,505Total noninterest income
  • $0Fiduciary activities
  • $2,016Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,489Additional noninterest income
  • $13,032Total noninterest expense
  • $7,117Salaries and employee benefits
  • $2,393Premises and equipment expense
  • $3,522Additional noninterest expense
  • $6,995Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,683Applicable income taxes
  • $4,312Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,312Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $617Sale, conversion, retirement of capital stock, net
  • $1,296Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.68%Yield on earning assets
  • 2.93%Cost of funding earning assets
  • 5.75%Net interest margin
  • 1.22%Noninterest income to earning assets
  • 4.53%Noninterest expense to earning assets
  • 1.32%Net operating income to assets
  • 1.32%Return on assets (ROA)
  • 2.14%Pretax return on assets
  • 12.71%Return on equity (ROE)
  • 8.89%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 4.86%Credit loss provision to net charge-offs
  • 11.39%Efficiency ratio
  • 64,322Assets per employee
  • 1.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.06%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 257.30%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 61.74%Net loans and leases to core deposits
  • 70.48%Equity capital to assets
  • 10.39%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 14.57%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $326,539Average earning assets
  • $33,921Average equity
  • $287,636Average loans

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