Santa Lucia Bank in Atascadero, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 22, 2011

Santa Lucia Bank - Overview

  • General
  • FDIC Certificate #: 26418
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mission Community Bank (#34462)
    Federal Reserve ID: 982263
    Date Established: August 05, 1985
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 33036
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 05, 1985
    Last Structure Change Effective Date: October 22, 2011
    Last Structure Change Process Date: December 05, 2011
    Last Data Update: December 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 7480 El Camino Real, Atascadero, CA 93422
    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: $232.3 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, 2010)

  • Dollar figures in thousands
  • 81Total employees (full-time equivalent)
  • $249,577Total assets
  • $20,767Cash and due from depository institutions
  • $16,247Interest-bearing balances
  • $32,542Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $176,750Net loans & leases
  • $10,999Loan loss allowance
  • $0Trading account assets
  • $7,735Bank premises and fixed assets
  • $2,123Other real estate owned
  • $0Goodwill and other intangibles
  • $4,566Life insurance assets
  • $9,660All other assets
  • $249,577Total liabilities and capital
  • $237,346Total liabilities
  • $235,410Total deposits
  • $167,082Interest-bearing deposits
  • $235,410Deposits held in domestic offices
  • 95.20%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,936All other liabilities
  • $12,231Total equity capital
  • $12,231Total bank equity capital
  • $12,231Perpetual preferred stock
  • $0Common stock
  • $16,936Surplus
  • $0Undivided profits
  • Memoranda
  • $-4,705Noncurrent loans and leases
  • $29,940Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $23,945Earning assets
  • $477Long-term assets (5+ years)
  • $798Average Assets, year-to-date
  • $225,539Average Assets, quarterly
  • $27,340Volatile liabilities
  • $263,174Insider loans
  • $257,041FHLB advances
  • $51,195Loans and leases held for sale
  • $2,420Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $29,940Total unused commitments
  • $1,061Restructured Loans and leases
  • $2,402Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $12,584Total interest income
  • $2,218Total interest expense
  • $10,366Net interest income
  • $15,198Provision for loan and lease losses
  • $1,022Total noninterest income
  • $0Fiduciary activities
  • $479Service charges on deposit accounts
  • $0Trading account gains & fees
  • $543Additional noninterest income
  • $10,486Total noninterest expense
  • $5,176Salaries and employee benefits
  • $1,219Premises and equipment expense
  • $4,091Additional noninterest expense
  • -$14,296Pre-tax net operating income
  • $588Securities gains (losses)
  • $562Applicable income taxes
  • -$14,270Income before extraordinary items
  • $0Extraordinary gains - net
  • -$14,270Net income attributable to bank
  • $0Net charge-offs
  • -$14,270Cash dividends
  • $7,585Sale, conversion, retirement of capital stock, net
  • $74Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 4.43%Noninterest expense to earning assets
  • -5.65%Net operating income to assets
  • -5.42%Return on assets (ROA)
  • -5.21%Pretax return on assets
  • -80.89%Return on equity (ROE)
  • -81.31%Retained earnings to average equity (YTD only)
  • 3.83%Net charge-offs to loans
  • 200.37%Credit loss provision to net charge-offs
  • 0.12%Efficiency ratio
  • 92,079Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -0.52%Loss allowance to loans
  • 5.86%Loss allowance to noncurrent loans
  • 45.93%Noncurrent assets plus other real estate owned to assets
  • 10.44%Noncurrent loans to loans
  • 12.75%Net loans and leases to deposits
  • 75.08%Net loans and leases to core deposits
  • 95.95%Equity capital to assets
  • 4.90%Core capital (leverage) ratio
  • 4.75%Tier 1 risk-based capital ratio
  • 6.85%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $263,174Average earning assets
  • $17,640Average equity
  • $236,668Average loans

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