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- Banks in California (CA)
- San Benito Bank
San Benito Bank in Hollister, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of August 01, 2000
- San Benito Bank in Hollister, California (CA)
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San Benito Bank - Overview
- 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: $200.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
- Dollar figures in thousands
- 81Total employees (full-time equivalent)
- $200,999Total assets
- $13,079Cash and due from depository institutions
- $2,555Interest-bearing balances
- $59,014Securities
- $9,640Federal funds sold & reverse repurchase agreements
- $106,386Net loans & leases
- $1,768Loan loss allowance
- $0Trading account assets
- $2,337Bank premises and fixed assets
- $0Other real estate owned
- $85Goodwill and other intangibles
- $0Life insurance assets
- $10,458All other assets
- $200,999Total liabilities and capital
- $182,531Total liabilities
- $181,238Total deposits
- $144,806Interest-bearing deposits
- $181,238Deposits held in domestic offices
- 0.00%% insured (estimated)
- $0Federal funds purchased & repurchase agreements
- $0Trading liabilities
- $17Other borrowed funds
- $0Subordinated debt
- $1,276All other liabilities
- $18,468Total equity capital
- $18,468Total bank equity capital
- $18,468Perpetual preferred stock
- $0Common stock
- $15,628Surplus
- $0Undivided profits
- Memoranda
- $2,840Noncurrent loans and leases
- $35,413Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $0Income earned, not collected on loans
- $2,109Earning assets
- $0Long-term assets (5+ years)
- $655Average Assets, year-to-date
- $177,595Average Assets, quarterly
- $34,153Volatile liabilities
- $187,193Insider loans
- $200,502FHLB advances
- $41,415Loans and leases held for sale
- $2,304Unused loan commitments
- $0Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $1,315Total risk weighted assets
- $35,413Total unused commitments
- $0Restructured Loans and leases
- $1,762Derivatives
Income and Expense (December 31, 1999)
- Dollar figures in thousands
- $14,206Total interest income
- $4,619Total interest expense
- $9,587Net interest income
- $700Provision for loan and lease losses
- $1,750Total noninterest income
- $0Fiduciary activities
- $705Service charges on deposit accounts
- $0Trading account gains & fees
- $1,045Additional noninterest income
- $7,193Total noninterest expense
- $3,883Salaries and employee benefits
- $1,226Premises and equipment expense
- $2,084Additional noninterest expense
- $3,444Pre-tax net operating income
- $18Securities gains (losses)
- $1,203Applicable income taxes
- $2,259Income before extraordinary items
- $0Extraordinary gains - net
- $2,259Net income attributable to bank
- $0Net charge-offs
- $0Cash dividends
- $135Sale, conversion, retirement of capital stock, net
- $496Net operating income
Performance and Condition Ratios (December 31, 1999)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 8.52%Yield on earning assets
- 2.77%Cost of funding earning assets
- 5.75%Net interest margin
- 1.05%Noninterest income to earning assets
- 4.31%Noninterest expense to earning assets
- 1.20%Net operating income to assets
- 1.21%Return on assets (ROA)
- 1.85%Pretax return on assets
- 13.16%Return on equity (ROE)
- 10.27%Retained earnings to average equity (YTD only)
- 0.14%Net charge-offs to loans
- 518.52%Credit loss provision to net charge-offs
- 30.70%Efficiency ratio
- 63,447Assets per employee
- 2.48%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 21.96%Loss allowance to loans
- 1.63%Loss allowance to noncurrent loans
- 83.83%Noncurrent assets plus other real estate owned to assets
- 1.05%Noncurrent loans to loans
- 1.95%Net loans and leases to deposits
- 58.70%Net loans and leases to core deposits
- 76.09%Equity capital to assets
- 9.19%Core capital (leverage) ratio
- 9.22%Tier 1 risk-based capital ratio
- 13.54%Total risk-based capital ratio
- Memoranda
- $15Average assets
- $187,193Average earning assets
- $17,164Average equity
- $166,785Average loans
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- Banks in California (CA)
- San Benito Bank
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