Cuyamaca Bank, National Association in Santee, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 2004

  • Cuyamaca Bank, National Association in Santee, California (CA)
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Cuyamaca Bank, National Association - Overview

  • General
  • FDIC Certificate #: 24862
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community National Bank (#26426)
    Federal Reserve ID: 510460
    Date Established: January 03, 1984
    WWW: http://www.cuyamacabank.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 17238
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 03, 1984
    Last Structure Change Effective Date: October 02, 2004
    Last Structure Change Process Date: October 21, 2004
    Last Data Update: October 21, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 9955 Mission Gorge Road, Santee, CA 92071
    County: San Diego
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    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: $115.5 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
  • 52Total employees (full-time equivalent)
  • $104,028Total assets
  • $7,344Cash and due from depository institutions
  • $4,176Interest-bearing balances
  • $12,451Securities
  • $9,110Federal funds sold & reverse repurchase agreements
  • $71,129Net loans & leases
  • $774Loan loss allowance
  • $0Trading account assets
  • $1,384Bank premises and fixed assets
  • $0Other real estate owned
  • $59Goodwill and other intangibles
  • $0Life insurance assets
  • $2,551All other assets
  • $104,028Total liabilities and capital
  • $95,601Total liabilities
  • $92,187Total deposits
  • $60,364Interest-bearing deposits
  • $92,187Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,540Other borrowed funds
  • $0Subordinated debt
  • $874All other liabilities
  • $8,427Total equity capital
  • $8,427Total bank equity capital
  • $8,427Perpetual preferred stock
  • $0Common stock
  • $4,254Surplus
  • $3,086Undivided profits
  • Memoranda
  • $1,087Noncurrent loans and leases
  • $19,965Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $349Average Assets, year-to-date
  • $96,866Average Assets, quarterly
  • $31,592Volatile liabilities
  • $98,633Insider loans
  • $102,253FHLB advances
  • $14,757Loans and leases held for sale
  • $2,021Unused loan commitments
  • $2,540Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $19,965Total unused commitments
  • $0Restructured Loans and leases
  • $774Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $5,840Total interest income
  • $811Total interest expense
  • $5,029Net interest income
  • $218Provision for loan and lease losses
  • $1,191Total noninterest income
  • $0Fiduciary activities
  • $508Service charges on deposit accounts
  • $0Trading account gains & fees
  • $683Additional noninterest income
  • $4,860Total noninterest expense
  • $2,927Salaries and employee benefits
  • $736Premises and equipment expense
  • $1,197Additional noninterest expense
  • $1,142Pre-tax net operating income
  • $0Securities gains (losses)
  • $405Applicable income taxes
  • $737Income before extraordinary items
  • $0Extraordinary gains - net
  • $737Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.39%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 5.50%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 5.31%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 9.36%Return on equity (ROE)
  • 9.36%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 242.22%Credit loss provision to net charge-offs
  • 15.11%Efficiency ratio
  • 78,135Assets per employee
  • 2.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 77.16%Net loans and leases to core deposits
  • 90.40%Equity capital to assets
  • 8.10%Core capital (leverage) ratio
  • 7.94%Tier 1 risk-based capital ratio
  • 9.91%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $98,633Average earning assets
  • $7,872Average equity
  • $91,461Average loans

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