Community Bank of Santa Maria in Santa Maria, California (CA)



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Community Bank of Santa Maria routing number info

Table of contents:
Community Bank of Santa Maria
GeneralFDIC Certificate #: 57073
Status: Active
Federal Reserve ID: 2997216
Date Established: March 01, 2001
WWW: http://www.yourcbsm.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)49
Total assets$162,298
Cash and due from depository institutions$16,102
Interest-bearing balances$10,834
Securities$34,547
Federal funds sold & reverse repurchase agreements$23
Net loans & leases$103,048
Loan loss allowance $2,174
Trading account assets$0
Bank premises and fixed assets$2,698
Other real estate owned$750
Goodwill and other intangibles$0
All other assets$5,130
Life insurance assets$162,297
Total liabilities and capital$144,477
Total liabilities$143,746
Total deposits$103,343
Interest-bearing deposits$143,746
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $731
All other liabilities $17,820
Total equity capital$17,820
Total bank equity capital$17,820
Perpetual preferred stock$0
Common stock$15,700
Surplus$0
Undivided profits $2,120
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $663
Average Assets, year-to-date $148,452
Average Assets, quarterly $42,242
Volatile liabilities $155,369
Insider loans $160,732
FHLB advances $121,377
Loans and leases held for sale $160,629
Unused loan commitments $2,716
Tier 1 (core) risk-based capital $2,716
Tier 2 risk-based capital $17,519
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,347
Derivatives$2,563
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,499
Total interest expense $619
Net interest income $6,880
Provision for loan and lease losses $203
Total noninterest income $287
Fiduciary activities $0
Service charges on deposit accounts $332
Trading account gains & fees $0
Additional noninterest income -$45
Total noninterest expense $6,202
Salaries and employee benefits $3,596
Premises and equipment expense $711
Additional noninterest expense $1,895
Pre-tax net operating income $762
Securities gains (losses) $13
Applicable income taxes $253
Income before extraordinary items $522
Extraordinary gains - net $0
Net income attributable to bank $522
Net charge-offs $0
Cash dividends $522
Sale, conversion, retirement of capital stock, net $221
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.29%
Cost of funding earning assets 0.44%
Net interest margin 4.85%
Noninterest income to earning assets 0.20%
Noninterest expense to earning assets 4.37%
Net operating income to assets 0.33%
Return on assets (ROA) 0.34%
Pretax return on assets 0.50%
Return on equity (ROE) 3.12%
Retained earnings to average equity (YTD only) 3.12%
Net charge-offs to loans 0.20%
Credit loss provision to net charge-offs 91.86%
Efficiency ratio4.37%
Assets per employee$86,536
Cash dividends to net income (YTD only)3.31%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.07%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.46%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 71.69%
Equity capital to assets 73.40%
Core capital (leverage) ratio 10.98%
Tier 1 risk-based capital ratio 10.91%
Total risk-based capital ratio 14.43%
Memoranda
Average assets$16
Average earning assets$155,369
Average equity $16,755
Average loans $141,823
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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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