Green Dot Bank DBA Bonneville Bank in Provo, Utah (UT)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Green Dot Bank DBA Bonneville Bank in Provo, Utah (UT)
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Green Dot Bank DBA Bonneville Bank - Overview

  • General
  • FDIC Certificate #: 22653
    Status: Active
    Federal Reserve ID: 243375
    Bank Holding Company (Regulatory Top Holder): Green Dot Corporation (RSSDID: 4057262, Location: Monrovia, CA)
    Date Established: May 15, 1978
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 15808
    Numeric code: 13
    Regulator: FED
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 15, 1978
    Last Structure Change Effective Date: Febuary 06, 2012
    Last Structure Change Process Date: April 02, 2012
    Last Data Update: April 02, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1675 North 200 West, Provo, UT 84601
    County: Utah
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Provo-Orem, UT (#6520)
    Core Based Statistical Area (CBSA): Provo-Orem, UT (#39340)
    CBSA Metro Statistical Area: Provo-Orem, UT (#39340)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $68.2 mil
    Equity capital: $29.1 mil
    Deposits held in domestic offices: $39.1 mil
    Return on assets (ROA): -0.60% (-$0.4 mil)
    Quarterly return on assets: 0.46% ($0.3 mil)
    Return on Equity (ROE): -2.41% (-$0.7 mil)
    Quarterly return on equity: 1.44% ($0.4 mil)
    Net income: -$0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.97% (-$661.9 mil)
    Quarterly Pretax return on assets: -0.69% (-$470.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 8Total employees (full-time equivalent)
  • $68,238Total assets
  • $36,729Cash and due from depository institutions
  • $36,348Interest-bearing balances
  • $6,358Securities
  • $2,400Federal funds sold & reverse repurchase agreements
  • $11,420Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $101Bank premises and fixed assets
  • $0Other real estate owned
  • $10,890Goodwill and other intangibles
  • $68,238Life insurance assets
  • $340All other assets
  • $39,150Total liabilities and capital
  • $39,104Total liabilities
  • $19,806Total deposits
  • $39,104Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $46Subordinated debt
  • $29,088All other liabilities
  • $29,088Total equity capital
  • $29,088Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $28,922Surplus
  • $166Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $60Income earned, not collected on loans
  • $0Earning assets
  • $142Long-term assets (5+ years)
  • $56,526Average Assets, year-to-date
  • $3,710Average Assets, quarterly
  • $43,179Volatile liabilities
  • $55,135Insider loans
  • $20,916FHLB advances
  • $36,943Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,198Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,117Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,515Total interest income
  • $198Total interest expense
  • $1,317Net interest income
  • $663Provision for loan and lease losses
  • $277Total noninterest income
  • $0Fiduciary activities
  • $197Service charges on deposit accounts
  • $0Trading account gains & fees
  • $80Additional noninterest income
  • $1,348Total noninterest expense
  • $688Salaries and employee benefits
  • $203Premises and equipment expense
  • $457Additional noninterest expense
  • -$417Pre-tax net operating income
  • $0Securities gains (losses)
  • -$158Applicable income taxes
  • -$259Income before extraordinary items
  • $0Extraordinary gains - net
  • -$259Net income attributable to bank
  • $0Net charge-offs
  • -$259Cash dividends
  • $650Sale, conversion, retirement of capital stock, net
  • $159Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.87%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • -0.60%Net operating income to assets
  • -0.60%Return on assets (ROA)
  • -0.97%Pretax return on assets
  • -2.41%Return on equity (ROE)
  • -3.89%Retained earnings to average equity (YTD only)
  • 4.64%Net charge-offs to loans
  • 102.00%Credit loss provision to net charge-offs
  • 0.38%Efficiency ratio
  • 84,567Assets per employee
  • 8.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -61.39%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 29.20%Net loans and leases to core deposits
  • 31.21%Equity capital to assets
  • 42.63%Core capital (leverage) ratio
  • 49.26%Tier 1 risk-based capital ratio
  • 87.01%Total risk-based capital ratio
  • Memoranda
  • $87Average assets
  • $43,179Average earning assets
  • $10,733Average equity
  • $39,143Average loans

List of branches

  • 1 Utah Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015808Green Dot Bank Dba Bonneville Bank1675 North 200 West, Provo, UT 84601May 15, 1978Full Service Brick and Mortar

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