San Benito Bank in Hollister, California (CA)



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San Benito Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
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
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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
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Performance and Condition Ratios (December 31, 1999)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.52%
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 ratio30.70%
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 deposits1.95%
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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