First National Bank in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 2002

  • First National Bank in San Diego, California (CA)
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First National Bank - Overview

  • General
  • FDIC Certificate #: 23634
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank (#23743)
    Federal Reserve ID: 43669
    Date Established: December 15, 1981
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    FDIC's unique #: 16548
    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 15, 1981
    Last Structure Change Effective Date: September 11, 2002
    Last Structure Change Process Date: October 11, 2002
    Last Data Update: October 11, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 West A Street, San Diego, CA 92138
    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: $645.9 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, 2001)

  • Dollar figures in thousands
  • 242Total employees (full-time equivalent)
  • $714,018Total assets
  • $47,076Cash and due from depository institutions
  • $2,323Interest-bearing balances
  • $162,841Securities
  • $80,000Federal funds sold & reverse repurchase agreements
  • $395,158Net loans & leases
  • $10,668Loan loss allowance
  • $0Trading account assets
  • $5,847Bank premises and fixed assets
  • $0Other real estate owned
  • $240Goodwill and other intangibles
  • $0Life insurance assets
  • $22,856All other assets
  • $714,018Total liabilities and capital
  • $662,493Total liabilities
  • $588,612Total deposits
  • $438,154Interest-bearing deposits
  • $588,612Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $268Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $68,000Other borrowed funds
  • $0Subordinated debt
  • $5,613All other liabilities
  • $51,525Total equity capital
  • $51,525Total bank equity capital
  • $51,525Perpetual preferred stock
  • $6,615Common stock
  • $9,664Surplus
  • $40,489Undivided profits
  • Memoranda
  • $-5,243Noncurrent loans and leases
  • $126,321Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $13,663Earning assets
  • $0Long-term assets (5+ years)
  • $2,619Average Assets, year-to-date
  • $640,322Average Assets, quarterly
  • $77,064Volatile liabilities
  • $692,339Insider loans
  • $697,694FHLB advances
  • $123,665Loans and leases held for sale
  • $12,050Unused loan commitments
  • $68,000Tier 1 (core) risk-based capital
  • $182Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $126,321Total unused commitments
  • $0Restructured Loans and leases
  • $6,030Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $47,418Total interest income
  • $20,172Total interest expense
  • $27,246Net interest income
  • $10,675Provision for loan and lease losses
  • $9,160Total noninterest income
  • $1,562Fiduciary activities
  • $1,662Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,936Additional noninterest income
  • $33,945Total noninterest expense
  • $17,296Salaries and employee benefits
  • $5,998Premises and equipment expense
  • $10,651Additional noninterest expense
  • -$8,214Pre-tax net operating income
  • $112Securities gains (losses)
  • -$3,241Applicable income taxes
  • -$4,861Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,861Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $6,713Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.56%Yield on earning assets
  • 3.21%Cost of funding earning assets
  • 4.34%Net interest margin
  • 1.46%Noninterest income to earning assets
  • 5.41%Noninterest expense to earning assets
  • -0.71%Net operating income to assets
  • -0.70%Return on assets (ROA)
  • -1.17%Pretax return on assets
  • -9.42%Return on equity (ROE)
  • -9.42%Retained earnings to average equity (YTD only)
  • 1.53%Net charge-offs to loans
  • 159.02%Credit loss provision to net charge-offs
  • 0.37%Efficiency ratio
  • 93,130Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.63%Loss allowance to noncurrent loans
  • 78.08%Noncurrent assets plus other real estate owned to assets
  • 1.91%Noncurrent loans to loans
  • 3.37%Net loans and leases to deposits
  • 67.13%Net loans and leases to core deposits
  • 79.80%Equity capital to assets
  • 7.22%Core capital (leverage) ratio
  • 7.14%Tier 1 risk-based capital ratio
  • 10.26%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $692,339Average earning assets
  • $51,617Average equity
  • $627,485Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $518,174Managed Assets
  • 1Number of Accounts
  • $111,481Personal trust and agency accounts
  • $92,387Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,601Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $13,493Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 328Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $406,693Other retirement accounts
  • $21,316Corporate trust and agency accounts
  • $243,878Other fiduciary accounts
  • $1,537Fiduciary accounts held in foreign offices

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