Monarch Bank in Laguna Niguel, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 04, 1997

  • Monarch Bank in Laguna Niguel, California (CA)
  • Show street view No street view available for this location

Monarch Bank - Overview

  • General
  • FDIC Certificate #: 23111
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National Bank of Southern California (#24314)
    Federal Reserve ID: 214768
    Date Established: April 21, 1980
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 16189
    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: April 21, 1980
    Last Structure Change Effective Date: June 04, 1997
    Last Structure Change Process Date: June 13, 1997
    Last Data Update: June 14, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 30000 Town Center Drive, Laguna Niguel, CA 92677
    County: Orange
    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): Orange County, CA (#5945)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
  • Financial Summary
  • Total assets: $78.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $49Total assets
  • $80,170Cash and due from depository institutions
  • $6,300Interest-bearing balances
  • $0Securities
  • $22,570Federal funds sold & reverse repurchase agreements
  • $4,217Net loans & leases
  • $44,239Loan loss allowance
  • $1,132Trading account assets
  • $0Bank premises and fixed assets
  • $763Other real estate owned
  • $143Goodwill and other intangibles
  • $1,938Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $80,170Total liabilities
  • $73,675Total deposits
  • $72,963Interest-bearing deposits
  • $51,390Deposits held in domestic offices
  • 72963.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $712Total equity capital
  • $712Total bank equity capital
  • $6,495Perpetual preferred stock
  • $0Common stock
  • $2,801Surplus
  • $4,255Undivided profits
  • Memoranda
  • $-561Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $167Income earned, not collected on loans
  • $276Earning assets
  • $71,026Long-term assets (5+ years)
  • $6,985Average Assets, year-to-date
  • $75,326Average Assets, quarterly
  • $79,660Volatile liabilities
  • $5,968Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,244Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,466Total risk weighted assets
  • $52,318Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,435Total interest expense
  • $1,755Net interest income
  • $3,680Provision for loan and lease losses
  • $195Total noninterest income
  • $859Fiduciary activities
  • $0Service charges on deposit accounts
  • $527Trading account gains & fees
  • $0Additional noninterest income
  • $332Total noninterest expense
  • $3,626Salaries and employee benefits
  • $1,750Premises and equipment expense
  • $625Additional noninterest expense
  • $1,251Pre-tax net operating income
  • $718Securities gains (losses)
  • $0Applicable income taxes
  • -$2Income before extraordinary items
  • $720Extraordinary gains - net
  • $0Net income attributable to bank
  • $720Net charge-offs
  • $39Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.97%Cost of funding earning assets
  • 2.57%Net interest margin
  • 5.39%Noninterest income to earning assets
  • 1.26%Noninterest expense to earning assets
  • 5.31%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 0.95%Return on equity (ROE)
  • 11.98%Retained earnings to average equity (YTD only)
  • 11.98%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 500.00%Efficiency ratio
  • 79,885Assets per employee
  • 1.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.49%Loss allowance to noncurrent loans
  • 677.84%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 60.63%Net loans and leases to core deposits
  • 66.03%Equity capital to assets
  • 8.10%Core capital (leverage) ratio
  • 8.05%Tier 1 risk-based capital ratio
  • 12.36%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $75,326Average earning assets
  • $6,011Average equity
  • $68,230Average loans

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