Bank of Escondido in Escondido, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 06, 2010

  • Bank of Escondido in Escondido, California (CA)
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Bank of Escondido - Overview

  • General
  • FDIC Certificate #: 57590
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Sunrise Bank (#57808)
    Federal Reserve ID: 3195037
    Date Established: October 15, 2003
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 366166
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 15, 2003
    Last Structure Change Effective Date: March 06, 2010
    Last Structure Change Process Date: March 15, 2010
    Last Data Update: March 15, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 West Grand Avenue, Escondido, CA 92025
    County: San Diego
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Orange
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Diego, CA (#7320)
    Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740)
    CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
  • Financial Summary
  • Total assets: $66.7 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, 2009)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $66,700Total assets
  • $13,255Cash and due from depository institutions
  • $11,350Interest-bearing balances
  • $0Securities
  • $1,815Federal funds sold & reverse repurchase agreements
  • $50,001Net loans & leases
  • $1,256Loan loss allowance
  • $0Trading account assets
  • $243Bank premises and fixed assets
  • $476Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $910All other assets
  • $66,700Total liabilities and capital
  • $61,081Total liabilities
  • $61,027Total deposits
  • $40,670Interest-bearing deposits
  • $61,027Deposits held in domestic offices
  • 77.90%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $54All other liabilities
  • $5,619Total equity capital
  • $5,619Total bank equity capital
  • $5,619Perpetual preferred stock
  • $0Common stock
  • $8,000Surplus
  • $0Undivided profits
  • Memoranda
  • $-2,381Noncurrent loans and leases
  • $7,009Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,741Earning assets
  • $0Long-term assets (5+ years)
  • $204Average Assets, year-to-date
  • $63,166Average Assets, quarterly
  • $15,525Volatile liabilities
  • $93,927Insider loans
  • $86,423FHLB advances
  • $15,280Loans and leases held for sale
  • $1,705Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,009Total unused commitments
  • $0Restructured Loans and leases
  • $674Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $3,372Total interest income
  • $670Total interest expense
  • $2,702Net interest income
  • $1,641Provision for loan and lease losses
  • $28Total noninterest income
  • $0Fiduciary activities
  • $101Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$73Additional noninterest income
  • $2,624Total noninterest expense
  • $1,276Salaries and employee benefits
  • $287Premises and equipment expense
  • $1,061Additional noninterest expense
  • -$1,535Pre-tax net operating income
  • $0Securities gains (losses)
  • $333Applicable income taxes
  • -$1,868Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,868Net income attributable to bank
  • $0Net charge-offs
  • -$1,868Cash dividends
  • $1,182Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.87%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.10%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • -1.99%Net operating income to assets
  • -1.99%Return on assets (ROA)
  • -1.63%Pretax return on assets
  • -16.42%Return on equity (ROE)
  • -16.42%Retained earnings to average equity (YTD only)
  • 1.83%Net charge-offs to loans
  • 138.83%Credit loss provision to net charge-offs
  • 0.09%Efficiency ratio
  • 96,117Assets per employee
  • 3.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.45%Loss allowance to noncurrent loans
  • 72.14%Noncurrent assets plus other real estate owned to assets
  • 3.32%Noncurrent loans to loans
  • 3.40%Net loans and leases to deposits
  • 81.93%Net loans and leases to core deposits
  • 109.30%Equity capital to assets
  • 8.42%Core capital (leverage) ratio
  • 7.97%Tier 1 risk-based capital ratio
  • 10.57%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $93,927Average earning assets
  • $11,377Average equity
  • $87,179Average loans

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