Central Coast National Bank in Arroyo Grande, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 07, 1995

  • Central Coast National Bank in Arroyo Grande, California (CA)
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Central Coast National Bank - Overview

  • General
  • FDIC Certificate #: 27352
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Santa Lucia Bank (#26418)
    Federal Reserve ID: 1218174
    Date Established: October 03, 1988
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 39626
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: October 03, 1988
    Last Structure Change Effective Date: July 07, 1995
    Last Structure Change Process Date: July 17, 1995
    Last Data Update: July 17, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1230 Grand Avenue, Arroyo Grande, CA 93420
    County: San Luis Obispo
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    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: $11.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $14Total assets
  • $13,261Cash and due from depository institutions
  • $2,236Interest-bearing balances
  • $0Securities
  • $531Federal funds sold & reverse repurchase agreements
  • $950Net loans & leases
  • $8,129Loan loss allowance
  • $77Trading account assets
  • $0Bank premises and fixed assets
  • $975Other real estate owned
  • $317Goodwill and other intangibles
  • $123Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $13,261Total liabilities
  • $12,507Total deposits
  • $12,462Interest-bearing deposits
  • $9,775Deposits held in domestic offices
  • 12462.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $45Total equity capital
  • $45Total bank equity capital
  • $754Perpetual preferred stock
  • $0Common stock
  • $1,250Surplus
  • $1,241Undivided profits
  • Memoranda
  • $-1,737Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4Income earned, not collected on loans
  • $63Earning assets
  • $9,610Long-term assets (5+ years)
  • $2,114Average Assets, year-to-date
  • $13,178Average Assets, quarterly
  • $13,216Volatile liabilities
  • $1,394Insider loans
  • $164FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,210Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $754Total risk weighted assets
  • $9,834Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $951Total interest expense
  • $285Net interest income
  • $666Provision for loan and lease losses
  • $42Total noninterest income
  • $290Fiduciary activities
  • $0Service charges on deposit accounts
  • $86Trading account gains & fees
  • $0Additional noninterest income
  • $204Total noninterest expense
  • $1,185Salaries and employee benefits
  • $584Premises and equipment expense
  • $117Additional noninterest expense
  • $484Pre-tax net operating income
  • -$271Securities gains (losses)
  • -$4Applicable income taxes
  • $0Income before extraordinary items
  • -$275Extraordinary gains - net
  • $0Net income attributable to bank
  • -$275Net charge-offs
  • $107Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.09%Cost of funding earning assets
  • 2.72%Net interest margin
  • 6.36%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 11.32%Net operating income to assets
  • -2.06%Return on assets (ROA)
  • -2.09%Pretax return on assets
  • -2.09%Return on equity (ROE)
  • -31.26%Retained earnings to average equity (YTD only)
  • -31.26%Net charge-offs to loans
  • 1.30%Credit loss provision to net charge-offs
  • 39.25%Efficiency ratio
  • 123,954Assets per employee
  • 0.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 1925.00%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 65.23%Net loans and leases to core deposits
  • 73.45%Equity capital to assets
  • 5.69%Core capital (leverage) ratio
  • 5.93%Tier 1 risk-based capital ratio
  • 7.67%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $13,178Average earning assets
  • $880Average equity
  • $10,465Average loans

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