First Pacific National Bank in Escondido, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 24, 1998

  • First Pacific National Bank in Escondido, California (CA)
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First Pacific National Bank - Overview

  • General
  • FDIC Certificate #: 23810
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: California Bank & Trust (#20852)
    Federal Reserve ID: 756268
    Date Established: May 03, 1982
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    OTS Docket #: 13575
    FDIC's unique #: 16646
    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: May 03, 1982
    Last Structure Change Effective Date: June 24, 1998
    Last Structure Change Process Date: June 26, 1998
    Last Data Update: June 30, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 613 West Valley Parkway, Escondido, CA 92025
    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)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $363.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 174Total employees (full-time equivalent)
  • $353,074Total assets
  • $24,283Cash and due from depository institutions
  • $0Interest-bearing balances
  • $82,844Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $227,856Net loans & leases
  • $2,646Loan loss allowance
  • $0Trading account assets
  • $7,577Bank premises and fixed assets
  • $1,260Other real estate owned
  • $3,938Goodwill and other intangibles
  • $0Life insurance assets
  • $5,316All other assets
  • $353,074Total liabilities and capital
  • $324,080Total liabilities
  • $311,157Total deposits
  • $236,362Interest-bearing deposits
  • $311,157Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,823All other liabilities
  • $28,994Total equity capital
  • $28,994Total bank equity capital
  • $28,994Perpetual preferred stock
  • $0Common stock
  • $5,593Surplus
  • $13,961Undivided profits
  • Memoranda
  • $9,440Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $466Earning assets
  • $0Long-term assets (5+ years)
  • $1,354Average Assets, year-to-date
  • $310,700Average Assets, quarterly
  • $99,269Volatile liabilities
  • $335,395Insider loans
  • $355,771FHLB advances
  • $48,180Loans and leases held for sale
  • $6,189Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,076Total risk weighted assets
  • $44,967Total unused commitments
  • $0Restructured Loans and leases
  • $240,509Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $28,401Total interest income
  • $8,048Total interest expense
  • $20,353Net interest income
  • $432Provision for loan and lease losses
  • $3,229Total noninterest income
  • $0Fiduciary activities
  • $1,435Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,794Additional noninterest income
  • $14,977Total noninterest expense
  • $7,539Salaries and employee benefits
  • $2,668Premises and equipment expense
  • $4,770Additional noninterest expense
  • $8,173Pre-tax net operating income
  • $89Securities gains (losses)
  • $3,154Applicable income taxes
  • $5,108Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,108Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,191Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.72%Yield on earning assets
  • 2.75%Cost of funding earning assets
  • 6.97%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 5.13%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 2.46%Pretax return on assets
  • 19.59%Return on equity (ROE)
  • 19.59%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 36.27%Credit loss provision to net charge-offs
  • 7.23%Efficiency ratio
  • 61,924Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 567.81%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 73.23%Net loans and leases to core deposits
  • 83.14%Equity capital to assets
  • 8.21%Core capital (leverage) ratio
  • 7.08%Tier 1 risk-based capital ratio
  • 10.30%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $335,395Average earning assets
  • $26,077Average equity
  • $292,154Average loans

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