FDIC Certificate #: 21945 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:U.S. Bank National Association (#5134) Federal Reserve ID: 124661 Date Established: March 07, 1975 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 10 (Interstate: No) OTS Docket #: 9691 FDIC's unique #: 15209 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: March 07, 1975 Last Structure Change Effective Date: January 14, 2000 Last Structure Change Process Date: Febuary 02, 2000 Last Data Update: Febuary 02, 2000 Data Source Date: April 05, 2012
Location
Address: 1331 Rosecrans Street, San Diego, CA 92106 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: $490.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
226Total employees (full-time equivalent)
$490,871Total assets
$18,491Cash and due from depository institutions
$222Interest-bearing balances
$99,948Securities
$48,000Federal funds sold & reverse repurchase agreements
$300,417Net loans & leases
$3,048Loan loss allowance
$0Trading account assets
$10,921Bank premises and fixed assets
$0Other real estate owned
$87Goodwill and other intangibles
$0Life insurance assets
$13,007All other assets
$490,871Total liabilities and capital
$458,137Total liabilities
$453,018Total deposits
$307,773Interest-bearing deposits
$453,018Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$800Other borrowed funds
$0Subordinated debt
$4,319All other liabilities
$32,734Total equity capital
$32,734Total bank equity capital
$32,734Perpetual preferred stock
$0Common stock
$2,176Surplus
$25,644Undivided profits
Memoranda
$4,914Noncurrent loans and leases
$68,408Noncurrent 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)
$1,462Average Assets, year-to-date
$448,587Average Assets, quarterly
$115,707Volatile liabilities
$464,980Insider loans
$479,901FHLB advances
$59,193Loans and leases held for sale
$9,866Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$68,408Total unused commitments
$12Restructured Loans and leases
$3,048Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$32,035Total interest income
$9,394Total interest expense
$22,641Net interest income
$343Provision for loan and lease losses
$6,648Total noninterest income
$0Fiduciary activities
$2,249Service charges on deposit accounts
$0Trading account gains & fees
$4,399Additional noninterest income
$21,151Total noninterest expense
$10,902Salaries and employee benefits
$2,814Premises and equipment expense
$7,435Additional noninterest expense
$7,795Pre-tax net operating income
$65Securities gains (losses)
$3,106Applicable income taxes
$4,754Income before extraordinary items
$0Extraordinary gains - net
$4,754Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$34Sale, conversion, retirement of capital stock, net
$918Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.63%Yield on earning assets
2.24%Cost of funding earning assets
5.39%Net interest margin
1.58%Noninterest income to earning assets
5.04%Noninterest expense to earning assets
1.01%Net operating income to assets
1.02%Return on assets (ROA)
1.69%Pretax return on assets
15.33%Return on equity (ROE)
12.37%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
1008.82%Credit loss provision to net charge-offs
239.35%Efficiency ratio
72,136Assets per employee
2.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
19.31%Loss allowance to loans
1.00%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
66.31%Net loans and leases to core deposits
76.13%Equity capital to assets
6.67%Core capital (leverage) ratio
6.85%Tier 1 risk-based capital ratio
10.44%Total risk-based capital ratio
Memoranda
$11Average assets
$464,980Average earning assets
$31,002Average equity
$419,991Average loans
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