The Bank of Rancho Bernardo in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1996

  • The Bank of Rancho Bernardo in San Diego, California (CA)
  • Show street view No street view available for this location

The Bank of Rancho Bernardo - Overview

  • General
  • FDIC Certificate #: 23405
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Pacific National Bank (#23810)
    Federal Reserve ID: 27463
    Date Established: May 01, 1981
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16406
    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: May 01, 1981
    Last Structure Change Effective Date: April 01, 1996
    Last Structure Change Process Date: April 11, 1996
    Last Data Update: April 11, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 11717 Bernardo Plaza Court, San Diego, CA 92128
    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: $60.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $31Total assets
  • $60,989Cash and due from depository institutions
  • $4,135Interest-bearing balances
  • $891Securities
  • $9,468Federal funds sold & reverse repurchase agreements
  • $5,725Net loans & leases
  • $39,732Loan loss allowance
  • $815Trading account assets
  • $0Bank premises and fixed assets
  • $1,239Other real estate owned
  • $55Goodwill and other intangibles
  • $635Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $60,989Total liabilities
  • $55,901Total deposits
  • $55,223Interest-bearing deposits
  • $44,452Deposits held in domestic offices
  • 55223.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $678Total equity capital
  • $678Total bank equity capital
  • $5,088Perpetual preferred stock
  • $0Common stock
  • $1,250Surplus
  • $1,312Undivided profits
  • Memoranda
  • $2,526Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $432Income earned, not collected on loans
  • $236Earning assets
  • $55,816Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $57,994Average Assets, quarterly
  • $59,020Volatile liabilities
  • $4,312Insider loans
  • $1,145FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,985Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,028Total risk weighted assets
  • $44,217Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,886Total interest expense
  • $1,657Net interest income
  • $3,229Provision for loan and lease losses
  • $54Total noninterest income
  • $548Fiduciary activities
  • $0Service charges on deposit accounts
  • $156Trading account gains & fees
  • $0Additional noninterest income
  • $392Total noninterest expense
  • $2,556Salaries and employee benefits
  • $1,343Premises and equipment expense
  • $357Additional noninterest expense
  • $856Pre-tax net operating income
  • $1,167Securities gains (losses)
  • -$9Applicable income taxes
  • $383Income before extraordinary items
  • $775Extraordinary gains - net
  • $0Net income attributable to bank
  • $775Net charge-offs
  • -$23Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.21%Cost of funding earning assets
  • 3.12%Net interest margin
  • 6.08%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 4.82%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 2.00%Return on equity (ROE)
  • 16.72%Retained earnings to average equity (YTD only)
  • 16.29%Net charge-offs to loans
  • -0.06%Credit loss provision to net charge-offs
  • -234.78%Efficiency ratio
  • 67,673Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.58%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 188.66%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 1.07%Net loans and leases to deposits
  • 71.95%Net loans and leases to core deposits
  • 78.04%Equity capital to assets
  • 8.34%Core capital (leverage) ratio
  • 8.49%Tier 1 risk-based capital ratio
  • 11.37%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $57,994Average earning assets
  • $4,635Average equity
  • $53,078Average loans

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 The Bank of Rancho Bernardo.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents