First American Capital Bank, National Association in Laguna Beach, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 04, 1993

  • First American Capital Bank, National Association in Laguna Beach, California (CA)
  • Show street view No street view available for this location

First American Capital Bank, National Association - Overview

  • General
  • FDIC Certificate #: 23631
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Orange National Bank (#22980)
    Federal Reserve ID: 210162
    Date Established: December 01, 1981
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16545
    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: December 01, 1981
    Last Structure Change Effective Date: March 04, 1993
    Last Structure Change Process Date: March 08, 1993
    Last Data Update: March 08, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 310 Broadway, Laguna Beach, CA 92652
    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)
  • History of Changes
  • Absorption - Assisted
    Corrections
  • Financial Summary
  • Total assets: $28.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $46Total assets
  • $28,451Cash and due from depository institutions
  • $879Interest-bearing balances
  • $0Securities
  • $1,185Federal funds sold & reverse repurchase agreements
  • $1,510Net loans & leases
  • $15,629Loan loss allowance
  • $1,588Trading account assets
  • $7,016Bank premises and fixed assets
  • $379Other real estate owned
  • $551Goodwill and other intangibles
  • $1,302Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $28,451Total liabilities
  • $30,103Total deposits
  • $26,276Interest-bearing deposits
  • $21,313Deposits held in domestic offices
  • 26276.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,474Subordinated debt
  • $0All other liabilities
  • $353Total equity capital
  • $353Total bank equity capital
  • $-1,652Perpetual preferred stock
  • $0Common stock
  • $1,750Surplus
  • $2,734Undivided profits
  • Memoranda
  • $-6,136Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,416Income earned, not collected on loans
  • $466Earning assets
  • $25,340Long-term assets (5+ years)
  • $1,239Average Assets, year-to-date
  • $34,032Average Assets, quarterly
  • $32,011Volatile liabilities
  • $4,324Insider loans
  • $77FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,309Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $-1,652Total risk weighted assets
  • $24,391Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,184Total interest expense
  • $1,419Net interest income
  • $2,765Provision for loan and lease losses
  • $1,885Total noninterest income
  • $1,645Fiduciary activities
  • $0Service charges on deposit accounts
  • $262Trading account gains & fees
  • $0Additional noninterest income
  • $1,383Total noninterest expense
  • $5,861Salaries and employee benefits
  • $1,548Premises and equipment expense
  • $498Additional noninterest expense
  • $3,815Pre-tax net operating income
  • -$3,336Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • -$3,336Extraordinary gains - net
  • $0Net income attributable to bank
  • -$3,336Net charge-offs
  • $903Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 14.86%Cost of funding earning assets
  • 5.04%Net interest margin
  • 9.82%Noninterest income to earning assets
  • 5.84%Noninterest expense to earning assets
  • 20.82%Net operating income to assets
  • -9.80%Return on assets (ROA)
  • -9.80%Pretax return on assets
  • -9.80%Return on equity (ROE)
  • -317.53%Retained earnings to average equity (YTD only)
  • -317.53%Net charge-offs to loans
  • 4.54%Credit loss provision to net charge-offs
  • 208.75%Efficiency ratio
  • 132,902Assets per employee
  • 0.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 9.22%Loss allowance to noncurrent loans
  • 112.15%Noncurrent assets plus other real estate owned to assets
  • 6.91%Noncurrent loans to loans
  • 8.22%Net loans and leases to deposits
  • 59.48%Net loans and leases to core deposits
  • 61.47%Equity capital to assets
  • -5.81%Core capital (leverage) ratio
  • -4.85%Tier 1 risk-based capital ratio
  • -6.77%Total risk-based capital ratio
  • Memoranda
  • -$7Average assets
  • $34,032Average earning assets
  • $1,051Average equity
  • $28,151Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First American Capital Bank, National Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents