San Luis Trust Bank, FSB in San Luis Obispo, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 18, 2011

  • San Luis Trust Bank, FSB in San Luis Obispo, California (CA)
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San Luis Trust Bank, FSB - Overview

  • General
  • FDIC Certificate #: 34783
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: First California Bank (#22819)
    Federal Reserve ID: 2781750
    Date Established: Febuary 24, 1999
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 15051
    FDIC's unique #: 61557
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 24, 1999
    Last Structure Change Effective Date: Febuary 18, 2011
    Last Structure Change Process Date: Febuary 22, 2011
    Last Data Update: Febuary 22, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1001 Marsh Street, San Luis Obispo, CA 93401
    County: San Luis Obispo
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (West)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Luis Obispo-Atascadero-Paso Robles, CA (#7460)
    Core Based Statistical Area (CBSA): San Luis Obispo-Paso Robles, CA (#42020)
    CBSA Metro Statistical Area: San Luis Obispo-Paso Robles, CA (#42020)
  • Financial Summary
  • Total assets: $332.6 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, 2010)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $332,596Total assets
  • $67,122Cash and due from depository institutions
  • $65,334Interest-bearing balances
  • $36,500Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $199,462Net loans & leases
  • $5,511Loan loss allowance
  • $0Trading account assets
  • $1,632Bank premises and fixed assets
  • $21,065Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,815All other assets
  • $332,596Total liabilities and capital
  • $334,453Total liabilities
  • $272,216Total deposits
  • $263,808Interest-bearing deposits
  • $272,216Deposits held in domestic offices
  • 99.19%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $61,000Other borrowed funds
  • $0Subordinated debt
  • $1,237All other liabilities
  • $-1,857Total equity capital
  • $-1,857Total bank equity capital
  • $-1,857Perpetual preferred stock
  • $0Common stock
  • $6,987Surplus
  • $7,438Undivided profits
  • Memoranda
  • $-16,282Noncurrent loans and leases
  • $18,846Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $60,462Earning assets
  • $0Long-term assets (5+ years)
  • $1,244Average Assets, year-to-date
  • $301,296Average Assets, quarterly
  • $0Volatile liabilities
  • $322,428Insider loans
  • $315,002FHLB advances
  • $216,169Loans and leases held for sale
  • $3,183Unused loan commitments
  • $61,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $18,846Total unused commitments
  • $6,914Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $13,832Total interest income
  • $5,801Total interest expense
  • $8,031Net interest income
  • $23,217Provision for loan and lease losses
  • $90Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $90Additional noninterest income
  • $11,377Total noninterest expense
  • $3,790Salaries and employee benefits
  • $521Premises and equipment expense
  • $7,066Additional noninterest expense
  • -$26,473Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,078Applicable income taxes
  • -$27,551Income before extraordinary items
  • $0Extraordinary gains - net
  • -$27,551Net income attributable to bank
  • $0Net charge-offs
  • -$27,551Cash dividends
  • $24,707Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 1.97%Cost of funding earning assets
  • 2.73%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 3.87%Noninterest expense to earning assets
  • -8.54%Net operating income to assets
  • -8.54%Return on assets (ROA)
  • -8.21%Pretax return on assets
  • -171.54%Return on equity (ROE)
  • -171.54%Retained earnings to average equity (YTD only)
  • 10.35%Net charge-offs to loans
  • 93.97%Credit loss provision to net charge-offs
  • -0.13%Efficiency ratio
  • 140,094Assets per employee
  • 12.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.69%Loss allowance to noncurrent loans
  • 9.11%Noncurrent assets plus other real estate owned to assets
  • 24.51%Noncurrent loans to loans
  • 29.50%Net loans and leases to deposits
  • 73.27%Net loans and leases to core deposits
  • 170.41%Equity capital to assets
  • -0.56%Core capital (leverage) ratio
  • -0.56%Tier 1 risk-based capital ratio
  • -0.85%Total risk-based capital ratio
  • Memoranda
  • -$1Average assets
  • $322,428Average earning assets
  • $16,061Average equity
  • $293,874Average loans

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