California Thrift and Loan in Santa Barbara, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1997

  • California Thrift and Loan in Santa Barbara, California (CA)
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California Thrift and Loan - Overview

  • General
  • FDIC Certificate #: 26347
    Status: Inactive
    Federal Reserve ID: 646060
    Date Established: January 02, 1959
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 10265
    FDIC's unique #: 32890
    Numeric code: 23
    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: July 18, 1985
    Last Structure Change Effective Date: December 31, 1997
    Last Structure Change Process Date: January 14, 1998
    Last Data Update: January 14, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 319 East Carrillo, Santa Barbara, CA 93102
    County: Santa Barbara
    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): 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)
  • History of Changes
  • Other Liquidations and Closings
  • Financial Summary
  • Total assets: $173.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $193Total assets
  • $464,095Cash and due from depository institutions
  • $605Interest-bearing balances
  • $0Securities
  • $15,112Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $434,600Loan loss allowance
  • $9,723Trading account assets
  • $0Bank premises and fixed assets
  • $1,008Other real estate owned
  • $2,491Goodwill and other intangibles
  • $3,892Life insurance assets
  • $6,387All other assets
  • $0Total liabilities and capital
  • $464,095Total liabilities
  • $414,246Total deposits
  • $236,946Interest-bearing deposits
  • $185,894Deposits held in domestic offices
  • 236946.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $163,183Subordinated debt
  • $0All other liabilities
  • $14,117Total equity capital
  • $14,117Total bank equity capital
  • $49,849Perpetual preferred stock
  • $0Common stock
  • $4,000Surplus
  • $42,820Undivided profits
  • Memoranda
  • $3,029Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,092Income earned, not collected on loans
  • $2,355Earning assets
  • $449,712Long-term assets (5+ years)
  • $205,285Average Assets, year-to-date
  • $508,214Average Assets, quarterly
  • $503,530Volatile liabilities
  • $212,290Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $43,462Total risk weighted assets
  • $433,687Total unused commitments
  • $0Restructured Loans and leases
  • $210,000Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $32,054Total interest expense
  • $15,833Net interest income
  • $16,221Provision for loan and lease losses
  • $751Total noninterest income
  • $1,357Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,357Total noninterest expense
  • $11,242Salaries and employee benefits
  • $6,255Premises and equipment expense
  • $1,157Additional noninterest expense
  • $3,830Pre-tax net operating income
  • $5,585Securities gains (losses)
  • $0Applicable income taxes
  • $2,556Income before extraordinary items
  • $3,029Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,029Net charge-offs
  • $4,027Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.53%Cost of funding earning assets
  • 3.22%Net interest margin
  • 3.30%Noninterest income to earning assets
  • 0.28%Noninterest expense to earning assets
  • 2.29%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 1.10%Return on equity (ROE)
  • 5.76%Retained earnings to average equity (YTD only)
  • 5.76%Net charge-offs to loans
  • 0.84%Credit loss provision to net charge-offs
  • 18.65%Efficiency ratio
  • 60,650Assets per employee
  • 2.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 464.77%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 183.42%Net loans and leases to core deposits
  • 231.37%Equity capital to assets
  • 10.74%Core capital (leverage) ratio
  • 8.56%Tier 1 risk-based capital ratio
  • 10.02%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $508,214Average earning assets
  • $52,581Average equity
  • $491,049Average loans

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