Eldorado Bank in Tustin, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 30, 2001

  • Eldorado Bank in Tustin, California (CA)
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Eldorado Bank - Overview

  • General
  • FDIC Certificate #: 20676
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: California Bank & Trust (#20852)
    Federal Reserve ID: 133869
    Date Established: May 01, 1972
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 17 (Interstate: No)
    OTS Docket #: 13635
    FDIC's unique #: 14275
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 01, 1972
    Last Structure Change Effective Date: March 30, 2001
    Last Structure Change Process Date: April 24, 2001
    Last Data Update: April 24, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 17752 East Seventeenth Street, Tustin, CA 92680
    County: Orange
    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): Orange County, CA (#5945)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
  • Financial Summary
  • Total assets: $1,022.3 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 273Total employees (full-time equivalent)
  • $1,022,327Total assets
  • $50,246Cash and due from depository institutions
  • $0Interest-bearing balances
  • $322,611Securities
  • $47,500Federal funds sold & reverse repurchase agreements
  • $551,768Net loans & leases
  • $8,683Loan loss allowance
  • $0Trading account assets
  • $7,746Bank premises and fixed assets
  • $394Other real estate owned
  • $10,163Goodwill and other intangibles
  • $0Life insurance assets
  • $31,899All other assets
  • $1,022,327Total liabilities and capital
  • $937,311Total liabilities
  • $866,487Total deposits
  • $604,251Interest-bearing deposits
  • $866,487Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $62,220Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $8,604All other liabilities
  • $85,016Total equity capital
  • $85,016Total bank equity capital
  • $85,016Perpetual preferred stock
  • $0Common stock
  • $23,793Surplus
  • $46,651Undivided profits
  • Memoranda
  • $14,572Noncurrent loans and leases
  • $198,817Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $11,832Earning assets
  • $5,410Long-term assets (5+ years)
  • $2,792Average Assets, year-to-date
  • $921,879Average Assets, quarterly
  • $327,774Volatile liabilities
  • $1,047,408Insider loans
  • $1,007,349FHLB advances
  • $204,410Loans and leases held for sale
  • $1,000Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $198,817Total unused commitments
  • $546Restructured Loans and leases
  • $8,518Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $79,197Total interest income
  • $31,953Total interest expense
  • $47,244Net interest income
  • $5,519Provision for loan and lease losses
  • $11,929Total noninterest income
  • $0Fiduciary activities
  • $3,020Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,909Additional noninterest income
  • $37,106Total noninterest expense
  • $15,314Salaries and employee benefits
  • $5,198Premises and equipment expense
  • $16,594Additional noninterest expense
  • $16,548Pre-tax net operating income
  • $0Securities gains (losses)
  • $6,516Applicable income taxes
  • $10,032Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,032Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5,340Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.62%Yield on earning assets
  • 3.48%Cost of funding earning assets
  • 5.14%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 4.04%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 12.90%Return on equity (ROE)
  • 9.04%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 103.35%Credit loss provision to net charge-offs
  • 4.13%Efficiency ratio
  • 61,305Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.90%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 73.39%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 2.11%Net loans and leases to deposits
  • 63.68%Net loans and leases to core deposits
  • 76.18%Equity capital to assets
  • 8.32%Core capital (leverage) ratio
  • 7.77%Tier 1 risk-based capital ratio
  • 11.09%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,047,408Average earning assets
  • $77,790Average equity
  • $918,706Average loans

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