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
No
ID
Name
Address
Established
Service Type
Map
0
32032
Rancho Santa Fe Thrift & Loan Associ
1001 West San Marcos Boulevard, #140, San Marcos, CA 92078
January 02, 1982
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Rancho Santa Fe Thrift & Loan Association.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: