San Dieguito National Bank in Encinitas, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 1997

  • San Dieguito National Bank in Encinitas, California (CA)
  • Show street view No street view available for this location

San Dieguito National Bank - Overview

  • General
  • FDIC Certificate #: 23307
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Eldorado Bank (#20676)
    Federal Reserve ID: 848369
    Date Established: December 22, 1980
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 16337
    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: December 22, 1980
    Last Structure Change Effective Date: June 30, 1997
    Last Structure Change Process Date: July 22, 1997
    Last Data Update: July 22, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 135 Saxony Road, Encinitas, CA 92024
    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: $58.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $38Total assets
  • $57,384Cash and due from depository institutions
  • $6,203Interest-bearing balances
  • $298Securities
  • $5,655Federal funds sold & reverse repurchase agreements
  • $3,200Net loans & leases
  • $38,105Loan loss allowance
  • $765Trading account assets
  • $0Bank premises and fixed assets
  • $834Other real estate owned
  • $453Goodwill and other intangibles
  • $2,934Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $57,384Total liabilities
  • $51,210Total deposits
  • $50,840Interest-bearing deposits
  • $35,617Deposits held in domestic offices
  • 50840.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $370Total equity capital
  • $370Total bank equity capital
  • $6,174Perpetual preferred stock
  • $0Common stock
  • $1,581Surplus
  • $5,537Undivided profits
  • Memoranda
  • $-944Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $847Income earned, not collected on loans
  • $255Earning assets
  • $47,258Long-term assets (5+ years)
  • $4,343Average Assets, year-to-date
  • $58,836Average Assets, quarterly
  • $55,121Volatile liabilities
  • $2,807Insider loans
  • $270FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,105Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,906Total risk weighted assets
  • $41,521Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,238Total interest expense
  • $1,082Net interest income
  • $3,156Provision for loan and lease losses
  • $106Total noninterest income
  • $674Fiduciary activities
  • $0Service charges on deposit accounts
  • $404Trading account gains & fees
  • $0Additional noninterest income
  • $270Total noninterest expense
  • $3,413Salaries and employee benefits
  • $1,480Premises and equipment expense
  • $880Additional noninterest expense
  • $1,053Pre-tax net operating income
  • $311Securities gains (losses)
  • $0Applicable income taxes
  • -$1,659Income before extraordinary items
  • $1,970Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,970Net charge-offs
  • -$20Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.45%Cost of funding earning assets
  • 2.16%Net interest margin
  • 6.29%Noninterest income to earning assets
  • 1.34%Noninterest expense to earning assets
  • 6.81%Net operating income to assets
  • 3.35%Return on assets (ROA)
  • 3.35%Pretax return on assets
  • 0.53%Return on equity (ROE)
  • 42.32%Retained earnings to average equity (YTD only)
  • 42.32%Net charge-offs to loans
  • -0.05%Credit loss provision to net charge-offs
  • -530.00%Efficiency ratio
  • 89,112Assets per employee
  • 1.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 90.32%Noncurrent assets plus other real estate owned to assets
  • 2.27%Noncurrent loans to loans
  • 2.18%Net loans and leases to deposits
  • 74.95%Net loans and leases to core deposits
  • 79.33%Equity capital to assets
  • 10.76%Core capital (leverage) ratio
  • 8.98%Tier 1 risk-based capital ratio
  • 11.82%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $58,836Average earning assets
  • $4,655Average equity
  • $50,152Average loans

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