American Perspective Bank
San Luis Obispo, CA — Domestic Branch of a Domestic Bank
Acquired Aug 2012
Vitals
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Total Assets271.0M 11.1 %
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Total Deposits220.2M 12.0 %
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Total Net Loans195.5M 12.4 %
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Net Income-483000.0000 -152.5 %
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Book Value43.1M 4.8 %
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Book Value x286.1M 4.8 %
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Book Value x3129.2M 4.8 %
Balance Sheet Highlights
| Financial Highlights | American Perspective Bank | All Insured Commercial Banks in California |
| Balance Sheet $(000) | ||
| Total Assets | 271,037 | 636,618 |
| Total Net Loans | 195,528 | 388,605 |
| Total Deposits | 220,159 | 491,506 |
| Total Equity | 43,074 | 86,040 |
| Profitability | ||
| Net Income | -483 | 3,777 |
| Return on Average Assets | -.369 | .672 |
| Return on Average Equity | -2.227 | 5.361 |
| Net Interest Margin | 4.143 | 4.092 |
| Efficiency Ratio | 84.081 | 75.117 |
| Noninterest Income/Revenue | 7.938 | 13.306 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 88.812 | 77.258 |
| Securities/Assets | .234 | .163 |
| Total Equity/Total Assets | .159 | .135 |
| Tangible Equity/Tangible Assets | .159 | .128 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 42,512 | 75,227 |
| Tier 2 Capital | 2,655 | 5,682 |
| Total Capital | 45,167 | 80,893 |
| Total Risk Weighted Assets | 211,167 | 439,767 |
| Leverage Ratio | 15.96 | 11.854 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 20.13 | 16.502 |
| Total Capital Ratio | 21.39 | 17.781 |
Timeline for American Perspective Bank
Pacific Western Bank
American Perspective Bank was acquired by Pacific Western Bank 11 years
View Profile Aug 01 2012
American Perspective Bank
American Perspective Bank was established 16 years ago and is currently headquartered in San Luis Obispo, CA.
Oct 15 2007| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Pacific Western Bank | Buyer | 21,266,723 | Acquisition | Discontinued | 8/1/2012 |
| Relationships | Role | Relationship Start | Relationship End |
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