FDIC Certificate #: 27166 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Heritage Oaks Bank (#24229) Federal Reserve ID: 1163171 Date Established: January 19, 1988 WWW:http://www.haciendabank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 38999 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 19, 1988 Last Structure Change Effective Date: June 28, 2004 Last Structure Change Process Date: July 15, 2004 Last Data Update: July 15, 2004 Data Source Date: April 05, 2012
Location
Address: 361 Town Center West, Santa Maria, CA 93454 County: Santa Barbara 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): Santa Barbara-Santa Maria-Lompoc, CA (#7480) Core Based Statistical Area (CBSA): Santa Barbara-Santa Maria-Goleta, CA (#42060) CBSA Metro Statistical Area: Santa Barbara-Santa Maria-Goleta, CA (#42060)
Financial Summary
Total assets: $88.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
30Total employees (full-time equivalent)
$93,425Total assets
$8,548Cash and due from depository institutions
$140Interest-bearing balances
$8,047Securities
$14,890Federal funds sold & reverse repurchase agreements
$50,809Net loans & leases
$615Loan loss allowance
$0Trading account assets
$2,800Bank premises and fixed assets
$0Other real estate owned
$7,029Goodwill and other intangibles
$0Life insurance assets
$1,302All other assets
$93,425Total liabilities and capital
$80,699Total liabilities
$80,390Total deposits
$60,932Interest-bearing deposits
$80,390Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$309All other liabilities
$12,726Total equity capital
$12,726Total bank equity capital
$12,726Perpetual preferred stock
$0Common stock
$8,698Surplus
$3,960Undivided profits
Memoranda
$68Noncurrent loans and leases
$8,835Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$21Earning assets
$0Long-term assets (5+ years)
$293Average Assets, year-to-date
$73,886Average Assets, quarterly
$24,549Volatile liabilities
$78,445Insider loans
$86,246FHLB advances
$14,058Loans and leases held for sale
$4,380Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$8,835Total unused commitments
$30Restructured Loans and leases
$653Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$738Total interest income
$123Total interest expense
$615Net interest income
$20Provision for loan and lease losses
$126Total noninterest income
$0Fiduciary activities
$86Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$582Total noninterest expense
$253Salaries and employee benefits
$121Premises and equipment expense
$208Additional noninterest expense
$139Pre-tax net operating income
$0Securities gains (losses)
$31Applicable income taxes
$108Income before extraordinary items
$0Extraordinary gains - net
$108Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.11%Yield on earning assets
0.19%Cost of funding earning assets
0.93%Net interest margin
0.19%Noninterest income to earning assets
0.88%Noninterest expense to earning assets
0.14%Net operating income to assets
0.14%Return on assets (ROA)
0.18%Pretax return on assets
1.50%Return on equity (ROE)
1.50%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
1000.00%Credit loss provision to net charge-offs
79.50%Efficiency ratio
78,543Assets per employee
3.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
2928.57%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.04%Net loans and leases to deposits
63.20%Net loans and leases to core deposits
76.60%Equity capital to assets
13.62%Core capital (leverage) ratio
6.96%Tier 1 risk-based capital ratio
9.50%Total risk-based capital ratio
Memoranda
$11Average assets
$78,445Average earning assets
$7,202Average equity
$66,225Average loans
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