San Diego Trust & Savings Bank in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 19, 1994

  • San Diego Trust & Savings Bank in San Diego, California (CA)
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San Diego Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 1533
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Interstate Bank of California (#1226)
    Federal Reserve ID: 126768
    Date Established: May 15, 1889
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 54 (Interstate: No)
    FDIC's unique #: 1011
    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: January 01, 1934
    Last Structure Change Effective Date: March 19, 1994
    Last Structure Change Process Date: March 30, 1994
    Last Data Update: March 30, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 540 Broadway, San Diego, CA 92101
    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: $1,947.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $1,428Total assets
  • $1,947,413Cash and due from depository institutions
  • $130,121Interest-bearing balances
  • $0Securities
  • $840,286Federal funds sold & reverse repurchase agreements
  • $55,000Net loans & leases
  • $815,564Loan loss allowance
  • $12,863Trading account assets
  • $0Bank premises and fixed assets
  • $54,641Other real estate owned
  • $7,236Goodwill and other intangibles
  • $44,513Life insurance assets
  • $52All other assets
  • $0Total liabilities and capital
  • $1,947,413Total liabilities
  • $1,813,414Total deposits
  • $1,783,699Interest-bearing deposits
  • $1,355,788Deposits held in domestic offices
  • 1783699.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,423Subordinated debt
  • $0All other liabilities
  • $28,292Total equity capital
  • $28,292Total bank equity capital
  • $133,999Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $21,500Undivided profits
  • Memoranda
  • $107,499Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,802Income earned, not collected on loans
  • $4,084Earning assets
  • $1,710,850Long-term assets (5+ years)
  • $500,579Average Assets, year-to-date
  • $2,038,351Average Assets, quarterly
  • $1,965,719Volatile liabilities
  • $36,165Insider loans
  • $16,792FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $406,095Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $133,999Total risk weighted assets
  • $1,149,208Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $132,597Total interest expense
  • $35,299Net interest income
  • $97,298Provision for loan and lease losses
  • $7,131Total noninterest income
  • $52,559Fiduciary activities
  • $10,897Service charges on deposit accounts
  • $14,423Trading account gains & fees
  • $119Additional noninterest income
  • $27,120Total noninterest expense
  • $121,883Salaries and employee benefits
  • $68,161Premises and equipment expense
  • $20,534Additional noninterest expense
  • $33,188Pre-tax net operating income
  • $20,843Securities gains (losses)
  • -$1,459Applicable income taxes
  • $7,574Income before extraordinary items
  • $11,810Extraordinary gains - net
  • $0Net income attributable to bank
  • $11,810Net charge-offs
  • $6,914Cash dividends
  • $4,062Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.45%Cost of funding earning assets
  • 1.98%Net interest margin
  • 5.46%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 6.84%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 0.95%Return on equity (ROE)
  • 9.01%Retained earnings to average equity (YTD only)
  • 5.91%Net charge-offs to loans
  • 0.81%Credit loss provision to net charge-offs
  • 103.14%Efficiency ratio
  • 81,241Assets per employee
  • 1.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.39%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 76.56%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 2.03%Net loans and leases to deposits
  • 45.72%Net loans and leases to core deposits
  • 46.64%Equity capital to assets
  • 6.88%Core capital (leverage) ratio
  • 6.73%Tier 1 risk-based capital ratio
  • 11.66%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $2,038,351Average earning assets
  • $131,072Average equity
  • $1,780,820Average loans

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