Vitals
  • Total Assets
    2.4B 0.8 %
  • Total Deposits
    2.1B 0.5 %
  • Total Net Loans
    1.6B 2.7 %
  • Net Income
    9.0M -2.3 %
  • Book Value
    276.7M 4.7 %
  • Book Value x2
    553.4M 4.7 %
  • Book Value x3
    830.1M 4.7 %
ROAA

1.527

ROAE

13.166

Efficiency Ratio

57.908

Net Interest Margin

5.484

Balance Sheet Highlights
Financial Highlights Mid-State Bank & Trust All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 2,412,692 540,775
Total Net Loans 1,584,599 435,607
Total Deposits 2,064,849 409,232
Total Equity 276,710 66,272
Profitability
Net Income 9,022 5,075
Return on Average Assets 1.527 1.339
Return on Average Equity 13.166 10.999
Net Interest Margin 5.484 4.777
Efficiency Ratio 57.908 76.688
Noninterest Income/Revenue 12.088 14.987
Balance Sheet Ratios
Loan-to-Deposit 76.742 87.796
Securities/Assets .198 .542
Total Equity/Total Assets .115 .123
Tangible Equity/Tangible Assets .092 -.219
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 223,095 57,280
Tier 2 Capital 13,386 6,226
Total Capital 236,481 62,743
Total Risk Weighted Assets 1,908,612 440,700
Leverage Ratio 9.66 14.649
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.69 18.986
Total Capital Ratio 12.39 20.117

Timeline for Mid-State Bank & Trust

Rabobank, National Association

Mid-State Bank & Trust was acquired by Rabobank, National Association 17 years

View Profile May 01 2007

Ojai Valley Bank

Acquisition: Mid-State Bank & Trust acquired a new subsidiary, Ojai Valley Bank, 20 years

View Profile Nov 01 2003

American Commercial Bank

Acquisition: Mid-State Bank & Trust acquired a new subsidiary, American Commercial Bank, 22 years

View Profile Sep 29 2001

City Commerce Bank

Acquisition: Mid-State Bank & Trust acquired a new subsidiary, City Commerce Bank, 24 years

View Profile Sep 01 1999

Bank Of Santa Maria

Acquisition: Mid-State Bank & Trust acquired a new subsidiary, Bank Of Santa Maria, 25 years

View Profile Jul 11 1998

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Complete timeline for Mid-State Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Rabobank, National Association Buyer 14,159,000 Acquisition Discontinued 5/1/2007
Ojai Valley Bank Seller 87,903 Acquisition Discontinued 11/1/2003
American Commercial Bank Seller 272,899 Acquisition Discontinued 9/29/2001
City Commerce Bank Seller 150,462 Pooling of Interests Discontinued 9/1/1999
Bank Of Santa Maria Seller 338,112 Pooling of Interests Discontinued 7/11/1998
Relationships Role Relationship Start Relationship End
Mid-State Bancshares Parent 7/11/1998 4/30/2007
Msb Properties, Inc. Subsidary 7/11/1998 4/30/2007
Mid-Coast Land Company Subsidary 7/11/1998 4/30/2007
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