Citizens State Bank of Santa Paula in Santa Paula, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1997

  • Citizens State Bank of Santa Paula in Santa Paula, California (CA)
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Citizens State Bank of Santa Paula - Overview

  • General
  • FDIC Certificate #: 1232
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Santa Barbara Bank & Trust, National Association (#18169)
    Federal Reserve ID: 502362
    Date Established: October 19, 1929
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 845
    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: January 01, 1934
    Last Structure Change Effective Date: October 01, 1997
    Last Structure Change Process Date: November 17, 1997
    Last Data Update: November 17, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 948 Main Street, Santa Paula, CA 93060
    County: Ventura
    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): Ventura, CA (#8735)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Oxnard-Thousand Oaks-Ventura, CA (#37100)
    CBSA Metro Statistical Area: Oxnard-Thousand Oaks-Ventura, CA (#37100)
  • Financial Summary
  • Total assets: $93.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $40Total assets
  • $84,001Cash and due from depository institutions
  • $4,671Interest-bearing balances
  • $0Securities
  • $35,037Federal funds sold & reverse repurchase agreements
  • $3,200Net loans & leases
  • $38,798Loan loss allowance
  • $1,248Trading account assets
  • $0Bank premises and fixed assets
  • $505Other real estate owned
  • $152Goodwill and other intangibles
  • $1,638Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $84,001Total liabilities
  • $75,065Total deposits
  • $72,968Interest-bearing deposits
  • $55,782Deposits held in domestic offices
  • 72968.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $1,760Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $337Total equity capital
  • $337Total bank equity capital
  • $8,936Perpetual preferred stock
  • $0Common stock
  • $210Surplus
  • $790Undivided profits
  • Memoranda
  • $7,936Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $413Income earned, not collected on loans
  • $319Earning assets
  • $77,035Long-term assets (5+ years)
  • $15,611Average Assets, year-to-date
  • $79,542Average Assets, quarterly
  • $85,034Volatile liabilities
  • $6,644Insider loans
  • $465FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,323Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,756Total risk weighted assets
  • $39,583Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,829Total interest expense
  • $2,023Net interest income
  • $3,806Provision for loan and lease losses
  • -$100Total noninterest income
  • $775Fiduciary activities
  • $0Service charges on deposit accounts
  • $525Trading account gains & fees
  • $0Additional noninterest income
  • $250Total noninterest expense
  • $2,897Salaries and employee benefits
  • $1,599Premises and equipment expense
  • $280Additional noninterest expense
  • $1,018Pre-tax net operating income
  • $1,784Securities gains (losses)
  • $0Applicable income taxes
  • $655Income before extraordinary items
  • $1,129Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,129Net charge-offs
  • -$53Cash dividends
  • $361Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.96%Cost of funding earning assets
  • 2.76%Net interest margin
  • 5.20%Noninterest income to earning assets
  • 1.06%Noninterest expense to earning assets
  • 3.96%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 2.24%Return on equity (ROE)
  • 13.30%Retained earnings to average equity (YTD only)
  • 9.05%Net charge-offs to loans
  • -0.14%Credit loss provision to net charge-offs
  • 188.68%Efficiency ratio
  • 63,239Assets per employee
  • 2.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.98%Loss allowance to loans
  • 3.12%Loss allowance to noncurrent loans
  • 302.18%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 53.17%Net loans and leases to core deposits
  • 56.99%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 10.42%Tier 1 risk-based capital ratio
  • 22.12%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $79,542Average earning assets
  • $8,487Average equity
  • $73,190Average loans

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