FDIC Certificate #: 24862 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community National Bank (#26426) Federal Reserve ID: 510460 Date Established: January 03, 1984 WWW:http://www.cuyamacabank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) FDIC's unique #: 17238 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 03, 1984 Last Structure Change Effective Date: October 02, 2004 Last Structure Change Process Date: October 21, 2004 Last Data Update: October 21, 2004 Data Source Date: April 05, 2012
Location
Address: 9955 Mission Gorge Road, Santee, CA 92071 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: $115.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
52Total employees (full-time equivalent)
$104,028Total assets
$7,344Cash and due from depository institutions
$4,176Interest-bearing balances
$12,451Securities
$9,110Federal funds sold & reverse repurchase agreements
$71,129Net loans & leases
$774Loan loss allowance
$0Trading account assets
$1,384Bank premises and fixed assets
$0Other real estate owned
$59Goodwill and other intangibles
$0Life insurance assets
$2,551All other assets
$104,028Total liabilities and capital
$95,601Total liabilities
$92,187Total deposits
$60,364Interest-bearing deposits
$92,187Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,540Other borrowed funds
$0Subordinated debt
$874All other liabilities
$8,427Total equity capital
$8,427Total bank equity capital
$8,427Perpetual preferred stock
$0Common stock
$4,254Surplus
$3,086Undivided profits
Memoranda
$1,087Noncurrent loans and leases
$19,965Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$349Average Assets, year-to-date
$96,866Average Assets, quarterly
$31,592Volatile liabilities
$98,633Insider loans
$102,253FHLB advances
$14,757Loans and leases held for sale
$2,021Unused loan commitments
$2,540Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$19,965Total unused commitments
$0Restructured Loans and leases
$774Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$5,840Total interest income
$811Total interest expense
$5,029Net interest income
$218Provision for loan and lease losses
$1,191Total noninterest income
$0Fiduciary activities
$508Service charges on deposit accounts
$0Trading account gains & fees
$683Additional noninterest income
$4,860Total noninterest expense
$2,927Salaries and employee benefits
$736Premises and equipment expense
$1,197Additional noninterest expense
$1,142Pre-tax net operating income
$0Securities gains (losses)
$405Applicable income taxes
$737Income before extraordinary items
$0Extraordinary gains - net
$737Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$90Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.39%Yield on earning assets
0.89%Cost of funding earning assets
5.50%Net interest margin
1.30%Noninterest income to earning assets
5.31%Noninterest expense to earning assets
0.75%Net operating income to assets
0.75%Return on assets (ROA)
1.16%Pretax return on assets
9.36%Return on equity (ROE)
9.36%Retained earnings to average equity (YTD only)
0.13%Net charge-offs to loans
242.22%Credit loss provision to net charge-offs
15.11%Efficiency ratio
78,135Assets per employee
2.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.08%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
77.16%Net loans and leases to core deposits
90.40%Equity capital to assets
8.10%Core capital (leverage) ratio
7.94%Tier 1 risk-based capital ratio
9.91%Total risk-based capital ratio
Memoranda
$11Average assets
$98,633Average earning assets
$7,872Average equity
$91,461Average loans
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