Vitals
  • Total Assets
    301.7M 12.1 %
  • Total Deposits
    257.9M 23.9 %
  • Total Net Loans
    213.0M 17.5 %
  • Net Income
    1.9M 41.3 %
  • Book Value
    30.0M 12.4 %
  • Book Value x2
    59.9M 12.4 %
  • Book Value x3
    89.9M 12.4 %
ROAA

1.261

ROAE

12.965

Efficiency Ratio

59.323

Net Interest Margin

4.8

Balance Sheet Highlights
Financial Highlights First Bank Of San Luis Obispo All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 301,723 490,560
Total Net Loans 212,977 362,171
Total Deposits 257,929 381,022
Total Equity 29,969 56,938
Profitability
Net Income 1,878 10,239
Return on Average Assets 1.261 1.468
Return on Average Equity 12.965 13.722
Net Interest Margin 4.8 4.815
Efficiency Ratio 59.323 70.343
Noninterest Income/Revenue 15.294 23.2
Balance Sheet Ratios
Loan-to-Deposit 82.572 83.247
Securities/Assets .179 .639
Total Equity/Total Assets .099 .116
Tangible Equity/Tangible Assets .099 -.165
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 29,785 48,013
Tier 2 Capital 2,808 6,151
Total Capital 32,593 53,006
Total Risk Weighted Assets 224,107 384,172
Leverage Ratio 9.86 12.23
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 13.29 15.701
Total Capital Ratio 14.54 16.878

Timeline for First Bank Of San Luis Obispo

Santa Barbara Bank & Trust, National Association

First Bank Of San Luis Obispo was acquired by Santa Barbara Bank & Trust, National Association 18 years

View Profile Aug 01 2005

First Bancshares, Inc.

First Bancshares, Inc. became a new parent organization for First Bank Of San Luis Obispo.

View Profile Jul 01 1999

First Bank Of San Luis Obispo

First Bank Of San Luis Obispo was established 43 years ago and is currently headquartered in San Luis Obispo, CA.

Nov 24 1980
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Santa Barbara Bank & Trust, National Association Buyer 5,989,186 Acquisition Discontinued 8/1/2005
Relationships Role Relationship Start Relationship End
First Bancshares, Inc. Parent 7/1/1999 7/31/2005
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