Citizens Bank of Paso Robles, National Association in Paso Robles, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 03, 1996

  • Citizens Bank of Paso Robles, National Association in Paso Robles, California (CA)
  • Show street view No street view available for this location

Citizens Bank of Paso Robles, National Association - Overview

  • General
  • FDIC Certificate #: 27221
    Status: Inactive
    Closing history: Participated in Reorganization
    Acquiring institution: Bank of Santa Maria (#22623)
    Federal Reserve ID: 1186853
    Date Established: March 31, 1988
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 39153
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 31, 1988
    Last Structure Change Effective Date: May 03, 1996
    Last Structure Change Process Date: May 14, 1996
    Last Data Update: May 14, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 840 Spring Street, Paso Robles, CA 93446
    County: San Luis Obispo
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    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)
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
  • Financial Summary
  • Total assets: $32.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $18Total assets
  • $35,196Cash and due from depository institutions
  • $1,948Interest-bearing balances
  • $0Securities
  • $1,863Federal funds sold & reverse repurchase agreements
  • $7,725Net loans & leases
  • $22,310Loan loss allowance
  • $230Trading account assets
  • $0Bank premises and fixed assets
  • $644Other real estate owned
  • $414Goodwill and other intangibles
  • $292Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $35,196Total liabilities
  • $33,000Total deposits
  • $29,648Interest-bearing deposits
  • $25,401Deposits held in domestic offices
  • 29648.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,723Subordinated debt
  • $500All other liabilities
  • $129Total equity capital
  • $129Total bank equity capital
  • $2,196Perpetual preferred stock
  • $0Common stock
  • $1,039Surplus
  • $1,068Undivided profits
  • Memoranda
  • $89Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $405Income earned, not collected on loans
  • $149Earning assets
  • $31,898Long-term assets (5+ years)
  • $648Average Assets, year-to-date
  • $33,135Average Assets, quarterly
  • $34,575Volatile liabilities
  • $5,174Insider loans
  • $952FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,320Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,196Total risk weighted assets
  • $23,726Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,089Total interest expense
  • $1,131Net interest income
  • $1,958Provision for loan and lease losses
  • $121Total noninterest income
  • $169Fiduciary activities
  • $0Service charges on deposit accounts
  • $100Trading account gains & fees
  • $0Additional noninterest income
  • $69Total noninterest expense
  • $1,542Salaries and employee benefits
  • $739Premises and equipment expense
  • $172Additional noninterest expense
  • $631Pre-tax net operating income
  • $464Securities gains (losses)
  • $7Applicable income taxes
  • $139Income before extraordinary items
  • $332Extraordinary gains - net
  • $0Net income attributable to bank
  • $332Net charge-offs
  • $199Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.25%Cost of funding earning assets
  • 3.75%Net interest margin
  • 6.50%Noninterest income to earning assets
  • 0.56%Noninterest expense to earning assets
  • 5.12%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 1.42%Return on equity (ROE)
  • 16.79%Retained earnings to average equity (YTD only)
  • 16.79%Net charge-offs to loans
  • 0.86%Credit loss provision to net charge-offs
  • 60.80%Efficiency ratio
  • 72,496Assets per employee
  • 1.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 56.79%Noncurrent assets plus other real estate owned to assets
  • 2.33%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 75.25%Net loans and leases to core deposits
  • 82.03%Equity capital to assets
  • 6.24%Core capital (leverage) ratio
  • 6.46%Tier 1 risk-based capital ratio
  • 9.26%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $33,135Average earning assets
  • $1,978Average equity
  • $30,130Average loans

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 Citizens Bank of Paso Robles, National Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents