Rancho Santa Fe Thrift & Loan Association in San Marcos, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Rancho Santa Fe Thrift & Loan Association in San Marcos, California (CA)
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Rancho Santa Fe Thrift & Loan Association - Overview

  • General
  • FDIC Certificate #: 25803
    Status: Active
    Federal Reserve ID: 733661
    Date Established: January 02, 1982
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 32032
    Numeric code: 23
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Directly owned by another bank (CERT): #25803
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: December 17, 1984
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1001 West San Marcos Boulevard, #140, San Marcos, CA 92078
    County: San Diego
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: New York
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $35.1 mil
    Equity capital: $26.8 mil
    Deposits held in domestic offices: $1.0 mil
    Return on assets (ROA): 8.18% ($2.9 mil)
    Quarterly return on assets: 7.69% ($2.7 mil)
    Return on Equity (ROE): 13.06% ($3.5 mil)
    Quarterly return on equity: 10.32% ($2.8 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 8.18% ($2,872.7 mil)
    Quarterly Pretax return on assets: 7.69% ($2,700.7 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, 2011)

  • Dollar figures in thousands
  • 12Total employees (full-time equivalent)
  • $35,119Total assets
  • $2,287Cash and due from depository institutions
  • $100Interest-bearing balances
  • $20,384Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $12,207Net loans & leases
  • $409Loan loss allowance
  • $0Trading account assets
  • $4Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $35,119Life insurance assets
  • $237All other assets
  • $8,298Total liabilities and capital
  • $954Total liabilities
  • $954Total deposits
  • $954Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,800Trading liabilities
  • $0Other borrowed funds
  • $544Subordinated debt
  • $26,821All other liabilities
  • $26,821Total equity capital
  • $26,821Total bank equity capital
  • $0Perpetual preferred stock
  • $850Common stock
  • $1,433Surplus
  • $24,538Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $108Income earned, not collected on loans
  • $0Earning assets
  • $154Long-term assets (5+ years)
  • $32,691Average Assets, year-to-date
  • $20,384Average Assets, quarterly
  • $42,763Volatile liabilities
  • $36,925Insider loans
  • $17,136FHLB advances
  • $35,982Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,512Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,526Total interest income
  • $143Total interest expense
  • $3,383Net interest income
  • -$2,174Provision for loan and lease losses
  • $138Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $138Additional noninterest income
  • $2,199Total noninterest expense
  • $1,152Salaries and employee benefits
  • $233Premises and equipment expense
  • $814Additional noninterest expense
  • $3,496Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,496Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,496Net income attributable to bank
  • $0Net charge-offs
  • $3,496Cash dividends
  • $37Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.53%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 8.18%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 5.32%Noninterest expense to earning assets
  • 8.18%Net operating income to assets
  • 8.18%Return on assets (ROA)
  • 8.18%Pretax return on assets
  • 13.06%Return on equity (ROE)
  • 5.59%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • -5875.68%Credit loss provision to net charge-offs
  • 35.73%Efficiency ratio
  • 62,454Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.21%Loss allowance to loans
  • 3.24%Loss allowance to noncurrent loans
  • 378.70%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.86%Net loans and leases to deposits
  • 1279.56%Net loans and leases to core deposits
  • 1279.56%Equity capital to assets
  • 76.37%Core capital (leverage) ratio
  • 73.68%Tier 1 risk-based capital ratio
  • 154.72%Total risk-based capital ratio
  • Memoranda
  • $156Average assets
  • $42,763Average earning assets
  • $26,779Average equity
  • $41,336Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032032Rancho Santa Fe Thrift & Loan Associ1001 West San Marcos Boulevard, #140, San Marcos, CA 92078January 02, 1982Full Service Brick and Mortar

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