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

This bank is inactive as of July 30, 1993

  • San Marcos National Bank in San Marcos, California (CA)
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San Marcos National Bank - Overview

  • General
  • FDIC Certificate #: 24942
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Pacific National Bank (#23810)
    Federal Reserve ID: 58494
    Date Established: January 16, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 17285
    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: January 16, 1984
    Last Structure Change Effective Date: July 30, 1993
    Last Structure Change Process Date: August 05, 1993
    Last Data Update: August 05, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 978 San Marcos Boulevard, San Marcos, CA 92069
    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: $73.9 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $45Total assets
  • $81,017Cash and due from depository institutions
  • $7,482Interest-bearing balances
  • $2,772Securities
  • $7,109Federal funds sold & reverse repurchase agreements
  • $6,725Net loans & leases
  • $54,769Loan loss allowance
  • $1,163Trading account assets
  • $0Bank premises and fixed assets
  • $1,960Other real estate owned
  • $1,467Goodwill and other intangibles
  • $1,505Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $81,017Total liabilities
  • $75,139Total deposits
  • $74,903Interest-bearing deposits
  • $65,118Deposits held in domestic offices
  • 74903.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $236Total equity capital
  • $236Total bank equity capital
  • $5,878Perpetual preferred stock
  • $0Common stock
  • $2,602Surplus
  • $1,618Undivided profits
  • Memoranda
  • $1,658Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,312Income earned, not collected on loans
  • $313Earning assets
  • $71,375Long-term assets (5+ years)
  • $2,217Average Assets, year-to-date
  • $84,712Average Assets, quarterly
  • $81,441Volatile liabilities
  • $7,778Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,836Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,878Total risk weighted assets
  • $62,209Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,801Total interest expense
  • $2,571Net interest income
  • $4,230Provision for loan and lease losses
  • $1,217Total noninterest income
  • $903Fiduciary activities
  • $0Service charges on deposit accounts
  • $245Trading account gains & fees
  • $0Additional noninterest income
  • $658Total noninterest expense
  • $3,905Salaries and employee benefits
  • $1,680Premises and equipment expense
  • $517Additional noninterest expense
  • $1,708Pre-tax net operating income
  • $11Securities gains (losses)
  • $0Applicable income taxes
  • $5Income before extraordinary items
  • $6Extraordinary gains - net
  • $0Net income attributable to bank
  • $6Net charge-offs
  • $1,004Cash dividends
  • $400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.10%Cost of funding earning assets
  • 3.44%Net interest margin
  • 5.66%Noninterest income to earning assets
  • 1.21%Noninterest expense to earning assets
  • 5.23%Net operating income to assets
  • 0.01%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.01%Return on equity (ROE)
  • 0.10%Retained earnings to average equity (YTD only)
  • -6.41%Net charge-offs to loans
  • 1.70%Credit loss provision to net charge-offs
  • 121.22%Efficiency ratio
  • 76,076Assets per employee
  • 1.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6666.67%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 88.64%Noncurrent assets plus other real estate owned to assets
  • 3.43%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 73.12%Net loans and leases to core deposits
  • 81.59%Equity capital to assets
  • 7.26%Core capital (leverage) ratio
  • 7.13%Tier 1 risk-based capital ratio
  • 9.45%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $84,712Average earning assets
  • $6,149Average equity
  • $74,699Average loans

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