First National Bank in Rancho Santa Fe, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 26, 2006

  • First National Bank in Rancho Santa Fe, California (CA)
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First National Bank - Overview

  • General
  • FDIC Certificate #: 23743
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Pacific Western Bank (#24045)
    Federal Reserve ID: 931766
    Date Established: March 03, 1982
    WWW: http://www.banksandiego.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Interstate: No)
    FDIC's unique #: 16598
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: March 03, 1982
    Last Structure Change Effective Date: October 26, 2006
    Last Structure Change Process Date: November 21, 2006
    Last Data Update: November 21, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 6110 El Tordo, Rancho Santa Fe, CA 92067
    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: $1,191.9 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, 2005)

  • Dollar figures in thousands
  • 196Total employees (full-time equivalent)
  • $1,140,794Total assets
  • $29,021Cash and due from depository institutions
  • $5Interest-bearing balances
  • $64,386Securities
  • $8,193Federal funds sold & reverse repurchase agreements
  • $825,476Net loans & leases
  • $11,670Loan loss allowance
  • $0Trading account assets
  • $4,978Bank premises and fixed assets
  • $0Other real estate owned
  • $156,226Goodwill and other intangibles
  • $0Life insurance assets
  • $52,514All other assets
  • $1,140,794Total liabilities and capital
  • $867,690Total liabilities
  • $769,881Total deposits
  • $703,122Interest-bearing deposits
  • $769,881Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $85,000Other borrowed funds
  • $0Subordinated debt
  • $12,809All other liabilities
  • $273,104Total equity capital
  • $273,104Total bank equity capital
  • $273,104Perpetual preferred stock
  • $0Common stock
  • $6,222Surplus
  • $235,990Undivided profits
  • Memoranda
  • $30,892Noncurrent loans and leases
  • $344,210Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,329Earning assets
  • $428Long-term assets (5+ years)
  • $4,406Average Assets, year-to-date
  • $898,060Average Assets, quarterly
  • $33,868Volatile liabilities
  • $1,201,692Insider loans
  • $1,166,612FHLB advances
  • $100,660Loans and leases held for sale
  • $0Unused loan commitments
  • $85,000Tier 1 (core) risk-based capital
  • $51Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $344,210Total unused commitments
  • $0Restructured Loans and leases
  • $12,354Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $76,941Total interest income
  • $8,126Total interest expense
  • $68,815Net interest income
  • -$117Provision for loan and lease losses
  • $7,297Total noninterest income
  • $0Fiduciary activities
  • $2,264Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,033Additional noninterest income
  • $32,471Total noninterest expense
  • $18,821Salaries and employee benefits
  • $5,773Premises and equipment expense
  • $7,877Additional noninterest expense
  • $43,758Pre-tax net operating income
  • -$45Securities gains (losses)
  • $17,992Applicable income taxes
  • $25,721Income before extraordinary items
  • $0Extraordinary gains - net
  • $25,721Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $811Sale, conversion, retirement of capital stock, net
  • $10,500Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.08%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 7.23%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 2.14%Net operating income to assets
  • 2.14%Return on assets (ROA)
  • 3.64%Pretax return on assets
  • 9.75%Return on equity (ROE)
  • 5.77%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • -14.43%Credit loss provision to net charge-offs
  • 53.81%Efficiency ratio
  • 40,019Assets per employee
  • 5.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.82%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 350.56%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 107.22%Net loans and leases to core deposits
  • 116.39%Equity capital to assets
  • 23.94%Core capital (leverage) ratio
  • 11.92%Tier 1 risk-based capital ratio
  • 12.39%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,201,692Average earning assets
  • $263,797Average equity
  • $952,333Average loans

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