Mariners Bank in San Clemente, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 21, 1995

  • Mariners Bank in San Clemente, California (CA)
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Mariners Bank - Overview

  • General
  • FDIC Certificate #: 24122
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Eldorado Bank (#20676)
    Federal Reserve ID: 22767
    Date Established: October 06, 1982
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 16817
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 06, 1982
    Last Structure Change Effective Date: October 21, 1995
    Last Structure Change Process Date: November 17, 1995
    Last Data Update: November 17, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 115 Calle De Industrias, San Clemente, CA 92672
    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: $74.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $59Total assets
  • $81,792Cash and due from depository institutions
  • $7,236Interest-bearing balances
  • $2,369Securities
  • $14,251Federal funds sold & reverse repurchase agreements
  • $6,950Net loans & leases
  • $49,251Loan loss allowance
  • $807Trading account assets
  • $0Bank premises and fixed assets
  • $1,596Other real estate owned
  • $911Goodwill and other intangibles
  • $1,597Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $81,792Total liabilities
  • $74,550Total deposits
  • $74,031Interest-bearing deposits
  • $57,414Deposits held in domestic offices
  • 74031.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $519Total equity capital
  • $519Total bank equity capital
  • $7,242Perpetual preferred stock
  • $0Common stock
  • $2,280Surplus
  • $0Undivided profits
  • Memoranda
  • $4,962Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $523Income earned, not collected on loans
  • $324Earning assets
  • $72,821Long-term assets (5+ years)
  • $666Average Assets, year-to-date
  • $81,536Average Assets, quarterly
  • $81,051Volatile liabilities
  • $4,644Insider loans
  • $847FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $26,595Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,242Total risk weighted assets
  • $55,832Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,097Total interest expense
  • $1,394Net interest income
  • $4,703Provision for loan and lease losses
  • $182Total noninterest income
  • $1,708Fiduciary activities
  • $0Service charges on deposit accounts
  • $374Trading account gains & fees
  • $0Additional noninterest income
  • $1,334Total noninterest expense
  • $5,944Salaries and employee benefits
  • $2,351Premises and equipment expense
  • $830Additional noninterest expense
  • $2,763Pre-tax net operating income
  • $285Securities gains (losses)
  • $0Applicable income taxes
  • $94Income before extraordinary items
  • $191Extraordinary gains - net
  • $16Net income attributable to bank
  • $207Net charge-offs
  • $75Cash dividends
  • $70Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.28%Cost of funding earning assets
  • 1.89%Net interest margin
  • 6.39%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 8.07%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 0.37%Return on equity (ROE)
  • 2.90%Retained earnings to average equity (YTD only)
  • 1.92%Net charge-offs to loans
  • 0.15%Credit loss provision to net charge-offs
  • 242.67%Efficiency ratio
  • 92,716Assets per employee
  • 1.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.82%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 154.30%Noncurrent assets plus other real estate owned to assets
  • 1.75%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 66.53%Net loans and leases to core deposits
  • 70.98%Equity capital to assets
  • 8.85%Core capital (leverage) ratio
  • 9.07%Tier 1 risk-based capital ratio
  • 12.97%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $81,536Average earning assets
  • $7,133Average equity
  • $73,625Average loans

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