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

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Green Dot Bank DBA Bonneville Bank routing number info

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Green Dot Bank DBA Bonneville Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial SummaryTotal 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)
Total employees (full-time equivalent)8
Total assets$68,238
Cash and due from depository institutions$36,729
Interest-bearing balances$36,348
Federal funds sold & reverse repurchase agreements$2,400
Net loans & leases$11,420
Loan loss allowance $0
Trading account assets$0
Bank premises and fixed assets$101
Other real estate owned$0
Goodwill and other intangibles$10,890
All other assets$340
Life insurance assets$68,238
Total liabilities and capital$39,150
Total liabilities$39,104
Total deposits$19,806
Interest-bearing deposits$39,104
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $46
All other liabilities $29,088
Total equity capital$29,088
Total bank equity capital$29,088
Perpetual preferred stock$0
Common stock$0
Undivided profits $166
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 $60
Earning assets $0
Long-term assets (5+ years) $142
Average Assets, year-to-date $56,526
Average Assets, quarterly $3,710
Volatile liabilities $43,179
Insider loans $55,135
FHLB advances $20,916
Loans and leases held for sale $36,943
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,198
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,117
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,515
Total interest expense $198
Net interest income $1,317
Provision for loan and lease losses $663
Total noninterest income $277
Fiduciary activities $0
Service charges on deposit accounts $197
Trading account gains & fees $0
Additional noninterest income $80
Total noninterest expense $1,348
Salaries and employee benefits $688
Premises and equipment expense $203
Additional noninterest expense $457
Pre-tax net operating income -$417
Securities gains (losses) $0
Applicable income taxes -$158
Income before extraordinary items -$259
Extraordinary gains - net $0
Net income attributable to bank -$259
Net charge-offs $0
Cash dividends -$259
Sale, conversion, retirement of capital stock, net $650
Net operating income $159
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.87%
Cost of funding earning assets 0.51%
Net interest margin 3.36%
Noninterest income to earning assets 0.71%
Noninterest expense to earning assets 3.44%
Net operating income to assets -0.60%
Return on assets (ROA) -0.60%
Pretax return on assets -0.97%
Return on equity (ROE) -2.41%
Retained earnings to average equity (YTD only) -3.89%
Net charge-offs to loans 4.64%
Credit loss provision to net charge-offs 102.00%
Efficiency ratio0.38%
Assets per employee$84,567
Cash dividends to net income (YTD only)8.53%
Condition Ratios (%)
Loss allowance to loans -61.39%
Loss allowance to noncurrent loans 0.00%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.09%
Net loans and leases to deposits0.53%
Net loans and leases to core deposits 29.20%
Equity capital to assets 31.21%
Core capital (leverage) ratio 42.63%
Tier 1 risk-based capital ratio 49.26%
Total risk-based capital ratio 87.01%
Average assets$87
Average earning assets$43,179
Average equity $10,733
Average loans $39,143
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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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