San Benito Bank in Hollister, California (CA)
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| San Benito Bank | |
|---|---|
| General | FDIC Certificate #: 25086 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: First National Bank of Central California (#25185) Federal Reserve ID: 199762 Date Established: April 04, 1984 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 4 (Interstate: No) FDIC's unique #: 17362 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: April 04, 1984 Last Structure Change Effective Date: August 01, 2000 Last Structure Change Process Date: September 11, 2000 Last Data Update: September 11, 2000 Data Source Date: April 05, 2012 |
| Location | Address: 300 Tres Pinos Road, Hollister, CA 95023 County: San Benito Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Sacramento Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488) Core Based Statistical Area (CBSA): San Jose-Sunnyvale-Santa Clara, CA (#41940) CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940) |
| Financial Summary | Total assets: $200.4 mil |
| Assets and Liabilities (December 31, 1999) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 81 |
| Total assets | $200,999 |
| Cash and due from depository institutions | $13,079 |
| Interest-bearing balances | $2,555 |
| Securities | $59,014 |
| Federal funds sold & reverse repurchase agreements | $9,640 |
| Net loans & leases | $106,386 |
| Loan loss allowance | $1,768 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,337 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $85 |
| All other assets | $10,458 |
| Life insurance assets | $0 |
| Total liabilities and capital | $200,999 |
| Total liabilities | $182,531 |
| Total deposits | $181,238 |
| Interest-bearing deposits | $144,806 |
| Deposits held in domestic offices | $181,238 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $17 |
| Subordinated debt | $0 |
| All other liabilities | $1,276 |
| Total equity capital | $18,468 |
| Total bank equity capital | $18,468 |
| Perpetual preferred stock | $18,468 |
| Common stock | $0 |
| Surplus | $15,628 |
| Undivided profits | $0 |
| Memoranda | |
| Noncurrent loans and leases | $2,840 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $35,413 |
| Income earned, not collected on loans | $0 |
| Earning assets | $2,109 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $655 |
| Average Assets, quarterly | $177,595 |
| Volatile liabilities | $34,153 |
| Insider loans | $187,193 |
| FHLB advances | $200,502 |
| Loans and leases held for sale | $41,415 |
| Unused loan commitments | $2,304 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $1,315 |
| Total unused commitments | $35,413 |
| Restructured Loans and leases | $0 |
| Derivatives | $1,762 |
| Income and Expense (December 31, 1999) (Dollar figures in thousands) | |
| Total interest income | $14,206 |
| Total interest expense | $4,619 |
| Net interest income | $9,587 |
| Provision for loan and lease losses | $700 |
| Total noninterest income | $1,750 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $705 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,045 |
| Total noninterest expense | $7,193 |
| Salaries and employee benefits | $3,883 |
| Premises and equipment expense | $1,226 |
| Additional noninterest expense | $2,084 |
| Pre-tax net operating income | $3,444 |
| Securities gains (losses) | $18 |
| Applicable income taxes | $1,203 |
| Income before extraordinary items | $2,259 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,259 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $135 |
| Net operating income | $496 |
| Performance and Condition Ratios (December 31, 1999) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 8.52% |
| Cost of funding earning assets | 2.77% |
| Net interest margin | 5.75% |
| Noninterest income to earning assets | 1.05% |
| Noninterest expense to earning assets | 4.31% |
| Net operating income to assets | 1.20% |
| Return on assets (ROA) | 1.21% |
| Pretax return on assets | 1.85% |
| Return on equity (ROE) | 13.16% |
| Retained earnings to average equity (YTD only) | 10.27% |
| Net charge-offs to loans | 0.14% |
| Credit loss provision to net charge-offs | 518.52% |
| Efficiency ratio | 30.70% |
| Assets per employee | $63,447 |
| Cash dividends to net income (YTD only) | 2.48% |
| Condition Ratios (%) | |
| Loss allowance to loans | 21.96% |
| Loss allowance to noncurrent loans | 1.63% |
| Noncurrent assets plus other real estate owned to assets | 83.83% |
| Noncurrent loans to loans | 1.05% |
| Net loans and leases to deposits | 1.95% |
| Net loans and leases to core deposits | 58.70% |
| Equity capital to assets | 76.09% |
| Core capital (leverage) ratio | 9.19% |
| Tier 1 risk-based capital ratio | 9.22% |
| Total risk-based capital ratio | 13.54% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $187,193 |
| Average equity | $17,164 |
| Average loans | $166,785 |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.