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

Community Bank of Santa Maria - Overview

  • General
  • FDIC Certificate #: 57073
    Status: Active
    Federal Reserve ID: 2997216
    Date Established: March 01, 2001
    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 #: 356857
    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: March 01, 2001
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1421 South Broadway, Santa Maria, CA 93454
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $162.3 mil
    Equity capital: $17.8 mil
    Deposits held in domestic offices: $143.7 mil
    Return on assets (ROA): 0.34% ($0.6 mil)
    Quarterly return on assets: 0.32% ($0.5 mil)
    Return on Equity (ROE): 3.12% ($0.6 mil)
    Quarterly return on equity: 2.90% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.50% ($811.5 mil)
    Quarterly Pretax return on assets: 0.46% ($746.6 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
  • 49Total employees (full-time equivalent)
  • $162,298Total assets
  • $16,102Cash and due from depository institutions
  • $10,834Interest-bearing balances
  • $34,547Securities
  • $23Federal funds sold & reverse repurchase agreements
  • $103,048Net loans & leases
  • $2,174Loan loss allowance
  • $0Trading account assets
  • $2,698Bank premises and fixed assets
  • $750Other real estate owned
  • $0Goodwill and other intangibles
  • $162,297Life insurance assets
  • $5,130All other assets
  • $144,477Total liabilities and capital
  • $143,746Total liabilities
  • $103,343Total deposits
  • $143,746Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $731Subordinated debt
  • $17,820All other liabilities
  • $17,820Total equity capital
  • $17,820Total bank equity capital
  • $0Perpetual preferred stock
  • $15,700Common stock
  • $0Surplus
  • $2,120Undivided 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
  • $663Long-term assets (5+ years)
  • $148,452Average Assets, year-to-date
  • $42,242Average Assets, quarterly
  • $155,369Volatile liabilities
  • $160,732Insider loans
  • $121,377FHLB advances
  • $160,629Loans and leases held for sale
  • $2,716Unused loan commitments
  • $2,716Tier 1 (core) risk-based capital
  • $17,519Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,347Restructured Loans and leases
  • $2,563Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,499Total interest income
  • $619Total interest expense
  • $6,880Net interest income
  • $203Provision for loan and lease losses
  • $287Total noninterest income
  • $0Fiduciary activities
  • $332Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$45Additional noninterest income
  • $6,202Total noninterest expense
  • $3,596Salaries and employee benefits
  • $711Premises and equipment expense
  • $1,895Additional noninterest expense
  • $762Pre-tax net operating income
  • $13Securities gains (losses)
  • $253Applicable income taxes
  • $522Income before extraordinary items
  • $0Extraordinary gains - net
  • $522Net income attributable to bank
  • $0Net charge-offs
  • $522Cash dividends
  • $221Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.85%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 3.12%Return on equity (ROE)
  • 3.12%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 91.86%Credit loss provision to net charge-offs
  • 4.37%Efficiency ratio
  • 86,536Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.07%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 71.69%Net loans and leases to core deposits
  • 73.40%Equity capital to assets
  • 10.98%Core capital (leverage) ratio
  • 10.91%Tier 1 risk-based capital ratio
  • 14.43%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $155,369Average earning assets
  • $16,755Average equity
  • $141,823Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0356857Community Bank Of Santa Maria1421 South Broadway, Santa Maria, CA 93454March 01, 2001Full Service Brick and Mortar
    1442615Lompoc Community Bank, A Division Of Community Bank Of Santa Maria705 W Central Avenue, Lompoc, CA 93436June 20, 2005Full Service Brick and Mortar
    2466638Oak Knolls Branch4869 S. Bradley Rd., Santa Maria, CA 93455April 02, 2007Full Service Brick and Mortar

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