El Camino National Bank in Lompoc, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 10, 1997

  • El Camino National Bank in Lompoc, California (CA)
  • Show street view No street view available for this location

El Camino National Bank - Overview

  • General
  • FDIC Certificate #: 32914
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank of Santa Maria (#22623)
    Federal Reserve ID: 1445822
    Date Established: April 18, 1990
    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 #: 45828
    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: April 18, 1990
    Last Structure Change Effective Date: January 10, 1997
    Last Structure Change Process Date: January 22, 1997
    Last Data Update: January 22, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 1325 North H Street, Lompoc, CA 93436
    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)
  • Financial Summary
  • Total assets: $18.9 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)
  • $8Total assets
  • $18,921Cash and due from depository institutions
  • $927Interest-bearing balances
  • $0Securities
  • $3,172Federal funds sold & reverse repurchase agreements
  • $2,250Net loans & leases
  • $12,082Loan loss allowance
  • $351Trading account assets
  • $0Bank premises and fixed assets
  • $22Other real estate owned
  • $53Goodwill and other intangibles
  • $415Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $18,921Total liabilities
  • $16,706Total deposits
  • $16,633Interest-bearing deposits
  • $14,262Deposits held in domestic offices
  • 16633.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $73Total equity capital
  • $73Total bank equity capital
  • $2,215Perpetual preferred stock
  • $0Common stock
  • $1,376Surplus
  • $1,361Undivided profits
  • Memoranda
  • $-522Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $807Income earned, not collected on loans
  • $79Earning assets
  • $17,504Long-term assets (5+ years)
  • $2,669Average Assets, year-to-date
  • $20,767Average Assets, quarterly
  • $19,950Volatile liabilities
  • $3,477Insider loans
  • $286FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $901Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,984Total risk weighted assets
  • $13,055Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,749Total interest expense
  • $758Net interest income
  • $991Provision for loan and lease losses
  • $227Total noninterest income
  • $95Fiduciary activities
  • $0Service charges on deposit accounts
  • $71Trading account gains & fees
  • $0Additional noninterest income
  • $24Total noninterest expense
  • $1,179Salaries and employee benefits
  • $398Premises and equipment expense
  • $157Additional noninterest expense
  • $624Pre-tax net operating income
  • -$320Securities gains (losses)
  • $0Applicable income taxes
  • -$70Income before extraordinary items
  • -$250Extraordinary gains - net
  • $0Net income attributable to bank
  • -$250Net charge-offs
  • $141Cash 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
  • 9.23%Cost of funding earning assets
  • 4.00%Net interest margin
  • 5.23%Noninterest income to earning assets
  • 0.50%Noninterest expense to earning assets
  • 6.22%Net operating income to assets
  • -1.20%Return on assets (ROA)
  • -1.20%Pretax return on assets
  • -1.54%Return on equity (ROE)
  • -10.29%Retained earnings to average equity (YTD only)
  • -10.29%Net charge-offs to loans
  • 1.03%Credit loss provision to net charge-offs
  • 160.99%Efficiency ratio
  • 108,564Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.82%Loss allowance to noncurrent loans
  • 43.49%Noncurrent assets plus other real estate owned to assets
  • 4.55%Noncurrent loans to loans
  • 6.49%Net loans and leases to deposits
  • 72.64%Net loans and leases to core deposits
  • 91.84%Equity capital to assets
  • 11.71%Core capital (leverage) ratio
  • 10.16%Tier 1 risk-based capital ratio
  • 15.20%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $20,767Average earning assets
  • $2,429Average equity
  • $18,947Average loans

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