FDIC Certificate #: 25828 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank (#23743) Federal Reserve ID: 964362 Date Established: December 14, 1984 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 5 (Interstate: No) FDIC's unique #: 32062 Numeric code: 13 Regulator: FED 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: December 14, 1984 Last Structure Change Effective Date: March 07, 2002 Last Structure Change Process Date: April 03, 2002 Last Data Update: April 03, 2002 Data Source Date: April 05, 2012
Location
Address: 2602 El Camino Real, Carlsbad, CA 92008 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: $143.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
56Total employees (full-time equivalent)
$143,650Total assets
$6,701Cash and due from depository institutions
$450Interest-bearing balances
$25,193Securities
$14,380Federal funds sold & reverse repurchase agreements
$92,129Net loans & leases
$929Loan loss allowance
$0Trading account assets
$1,225Bank premises and fixed assets
$0Other real estate owned
$93Goodwill and other intangibles
$0Life insurance assets
$3,929All other assets
$143,650Total liabilities and capital
$133,034Total liabilities
$132,080Total deposits
$84,547Interest-bearing deposits
$132,080Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$954All other liabilities
$10,616Total equity capital
$10,616Total bank equity capital
$10,616Perpetual preferred stock
$0Common stock
$1,000Surplus
$2,967Undivided profits
Memoranda
$6,649Noncurrent loans and leases
$29,193Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$49Earning assets
$0Long-term assets (5+ years)
$716Average Assets, year-to-date
$132,152Average Assets, quarterly
$9,604Volatile liabilities
$134,758Insider loans
$142,132FHLB advances
$12,605Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$29,193Total unused commitments
$0Restructured Loans and leases
$929Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$8,910Total interest income
$2,493Total interest expense
$6,417Net interest income
$95Provision for loan and lease losses
$1,617Total noninterest income
$0Fiduciary activities
$955Service charges on deposit accounts
$0Trading account gains & fees
$662Additional noninterest income
$5,388Total noninterest expense
$3,091Salaries and employee benefits
$932Premises and equipment expense
$1,365Additional noninterest expense
$2,551Pre-tax net operating income
$0Securities gains (losses)
$919Applicable income taxes
$1,632Income before extraordinary items
$0Extraordinary gains - net
$1,632Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$5Sale, conversion, retirement of capital stock, net
$247Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.30%Yield on earning assets
2.04%Cost of funding earning assets
5.26%Net interest margin
1.33%Noninterest income to earning assets
4.42%Noninterest expense to earning assets
1.21%Net operating income to assets
1.21%Return on assets (ROA)
1.89%Pretax return on assets
16.77%Return on equity (ROE)
14.23%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
1900.00%Credit loss provision to net charge-offs
529.20%Efficiency ratio
67,040Assets per employee
2.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.13%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
1895.92%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.05%Net loans and leases to deposits
69.75%Net loans and leases to core deposits
77.11%Equity capital to assets
7.39%Core capital (leverage) ratio
7.50%Tier 1 risk-based capital ratio
11.04%Total risk-based capital ratio
Memoranda
$12Average assets
$134,758Average earning assets
$9,732Average equity
$121,973Average loans
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