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

Show street view No street view available for this location

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
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
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
Undivided profits $2,120
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
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Average assets$16
Average earning assets$155,369
Average equity $16,755
Average loans $141,823
Back to page top, Back to table top

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
Back to page top

User Contributions:

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 Community Bank of Santa Maria.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.