International Savings Bank, F.S.B. in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1995

  • International Savings Bank, F.S.B. in San Diego, California (CA)
  • Show street view No street view available for this location

International Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 32196
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Regency Savings Bank, A FSB (#27770)
    Federal Reserve ID: 683878
    Date Established: January 01, 1983
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7984
    FDIC's unique #: 45030
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: Febuary 15, 1984
    Last Structure Change Effective Date: July 01, 1995
    Last Structure Change Process Date: August 23, 1995
    Last Data Update: October 02, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1455 Frazee Road, Suite 101, San Diego, CA 92108
    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
  • Absorption - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $253.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $58Total assets
  • $283,182Cash and due from depository institutions
  • $3,728Interest-bearing balances
  • $2,713Securities
  • $16,277Federal funds sold & reverse repurchase agreements
  • $1,800Net loans & leases
  • $249,270Loan loss allowance
  • $6,614Trading account assets
  • $0Bank premises and fixed assets
  • $1,352Other real estate owned
  • $1,986Goodwill and other intangibles
  • $8,716Life insurance assets
  • $53All other assets
  • $0Total liabilities and capital
  • $283,182Total liabilities
  • $274,202Total deposits
  • $243,314Interest-bearing deposits
  • $240,441Deposits held in domestic offices
  • 243314.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $30,250Subordinated debt
  • $0All other liabilities
  • $638Total equity capital
  • $638Total bank equity capital
  • $8,980Perpetual preferred stock
  • $1,000Common stock
  • $1,600Surplus
  • $5,978Undivided profits
  • Memoranda
  • $402Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,081Income earned, not collected on loans
  • $1,221Earning assets
  • $270,060Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $299,009Average Assets, quarterly
  • $287,751Volatile liabilities
  • $68,678Insider loans
  • $814FHLB advances
  • $30,250Loans and leases held for sale
  • $0Unused loan commitments
  • $2,944Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,927Total risk weighted assets
  • $177,115Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $17,389Total interest expense
  • $12,261Net interest income
  • $5,128Provision for loan and lease losses
  • $2,723Total noninterest income
  • $694Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $694Total noninterest expense
  • $8,397Salaries and employee benefits
  • $3,364Premises and equipment expense
  • $1,350Additional noninterest expense
  • $3,683Pre-tax net operating income
  • -$5,298Securities gains (losses)
  • $123Applicable income taxes
  • -$1,257Income before extraordinary items
  • -$3,918Extraordinary gains - net
  • $0Net income attributable to bank
  • -$3,918Net charge-offs
  • $1,199Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.28%Cost of funding earning assets
  • 4.43%Net interest margin
  • 1.85%Noninterest income to earning assets
  • 0.25%Noninterest expense to earning assets
  • 3.03%Net operating income to assets
  • -1.34%Return on assets (ROA)
  • -1.31%Pretax return on assets
  • -1.73%Return on equity (ROE)
  • -33.57%Retained earnings to average equity (YTD only)
  • -33.57%Net charge-offs to loans
  • 0.46%Credit loss provision to net charge-offs
  • 227.11%Efficiency ratio
  • 143,679Assets per employee
  • 4.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.58%Loss allowance to noncurrent loans
  • 65.61%Noncurrent assets plus other real estate owned to assets
  • 4.26%Noncurrent loans to loans
  • 3.94%Net loans and leases to deposits
  • 102.45%Net loans and leases to core deposits
  • 121.66%Equity capital to assets
  • 3.17%Core capital (leverage) ratio
  • 3.16%Tier 1 risk-based capital ratio
  • 5.04%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $299,009Average earning assets
  • $11,672Average equity
  • $277,045Average loans

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