Rancho Bank in San Dimas, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 2006

  • Rancho Bank in San Dimas, California (CA)
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Rancho Bank - Overview

  • General
  • FDIC Certificate #: 22934
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Vineyard Bank, National Association (#23556)
    Federal Reserve ID: 309664
    Date Established: August 24, 1979
    WWW: http://www.ranchobank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 16041
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 24, 1979
    Last Structure Change Effective Date: August 01, 2006
    Last Structure Change Process Date: September 20, 2006
    Last Data Update: September 20, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 530 West Bonita Avenue, San Dimas, CA 91773
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (North)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Los Angeles-Long Beach, CA (#4480)
    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: Los Angeles-Long Beach-Glendale, CA (#31084)
  • Financial Summary
  • Total assets: $220.5 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, 2005)

  • Dollar figures in thousands
  • 53Total employees (full-time equivalent)
  • $226,147Total assets
  • $9,784Cash and due from depository institutions
  • $337Interest-bearing balances
  • $86,079Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $123,748Net loans & leases
  • $1,458Loan loss allowance
  • $0Trading account assets
  • $1,320Bank premises and fixed assets
  • $718Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,498All other assets
  • $226,147Total liabilities and capital
  • $207,335Total liabilities
  • $201,736Total deposits
  • $115,695Interest-bearing deposits
  • $201,736Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,710Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $889All other liabilities
  • $18,812Total equity capital
  • $18,812Total bank equity capital
  • $18,812Perpetual preferred stock
  • $0Common stock
  • $7,190Surplus
  • $0Undivided profits
  • Memoranda
  • $11,622Noncurrent loans and leases
  • $23,960Noncurrent 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)
  • $1,074Average Assets, year-to-date
  • $210,164Average Assets, quarterly
  • $76,370Volatile liabilities
  • $229,272Insider loans
  • $233,126FHLB advances
  • $26,554Loans and leases held for sale
  • $1,179Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $23,960Total unused commitments
  • $0Restructured Loans and leases
  • $1,570Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $13,585Total interest income
  • $1,686Total interest expense
  • $11,899Net interest income
  • $0Provision for loan and lease losses
  • $785Total noninterest income
  • $0Fiduciary activities
  • $455Service charges on deposit accounts
  • $0Trading account gains & fees
  • $330Additional noninterest income
  • $8,367Total noninterest expense
  • $4,386Salaries and employee benefits
  • $1,391Premises and equipment expense
  • $2,590Additional noninterest expense
  • $4,317Pre-tax net operating income
  • -$496Securities gains (losses)
  • $1,220Applicable income taxes
  • $2,601Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,601Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.46%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 5.66%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 3.98%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 14.65%Return on equity (ROE)
  • 14.65%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,965Assets per employee
  • 4.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%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
  • 61.34%Net loans and leases to core deposits
  • 68.79%Equity capital to assets
  • 8.32%Core capital (leverage) ratio
  • 8.57%Tier 1 risk-based capital ratio
  • 12.47%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $229,272Average earning assets
  • $17,758Average equity
  • $210,214Average loans

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