FDIC Certificate #: 34323 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community National Bank (#26426) Federal Reserve ID: 2583347 Date Established: June 16, 1997 WWW:http://www.rbcommbank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) FDIC's unique #: 57082 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: June 16, 1997 Last Structure Change Effective Date: August 19, 2005 Last Structure Change Process Date: September 19, 2005 Last Data Update: September 19, 2005 Data Source Date: April 05, 2012
Location
Address: 16495 Bernardo Center Drive, San Diego, CA 92128 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: $124.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
27Total employees (full-time equivalent)
$107,513Total assets
$1,922Cash and due from depository institutions
$99Interest-bearing balances
$18,847Securities
$4,650Federal funds sold & reverse repurchase agreements
$80,170Net loans & leases
$1,263Loan loss allowance
$0Trading account assets
$462Bank premises and fixed assets
$0Other real estate owned
$63Goodwill and other intangibles
$0Life insurance assets
$1,399All other assets
$107,513Total liabilities and capital
$97,747Total liabilities
$96,357Total deposits
$75,990Interest-bearing deposits
$96,357Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,090Other borrowed funds
$0Subordinated debt
$300All other liabilities
$9,766Total equity capital
$9,766Total bank equity capital
$9,766Perpetual preferred stock
$0Common stock
$6,915Surplus
$0Undivided profits
Memoranda
$2,851Noncurrent loans and leases
$37,926Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$312Earning assets
$93Long-term assets (5+ years)
$361Average Assets, year-to-date
$103,766Average Assets, quarterly
$4,952Volatile liabilities
$103,884Insider loans
$108,013FHLB advances
$24,776Loans and leases held for sale
$1,053Unused loan commitments
$1,090Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$37,926Total unused commitments
$0Restructured Loans and leases
$1,084Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$6,571Total interest income
$1,108Total interest expense
$5,463Net interest income
$165Provision for loan and lease losses
$322Total noninterest income
$0Fiduciary activities
$150Service charges on deposit accounts
$0Trading account gains & fees
$172Additional noninterest income
$3,036Total noninterest expense
$1,971Salaries and employee benefits
$411Premises and equipment expense
$654Additional noninterest expense
$2,584Pre-tax net operating income
$12Securities gains (losses)
$1,068Applicable income taxes
$1,528Income before extraordinary items
$0Extraordinary gains - net
$1,528Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$25Sale, conversion, retirement of capital stock, net
$1Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.63%Yield on earning assets
1.12%Cost of funding earning assets
5.51%Net interest margin
0.32%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
1.46%Net operating income to assets
1.47%Return on assets (ROA)
2.50%Pretax return on assets
16.95%Return on equity (ROE)
16.94%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
660.00%Credit loss provision to net charge-offs
109.96%Efficiency ratio
52,481Assets per employee
3.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.07%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
404.81%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.38%Net loans and leases to deposits
83.20%Net loans and leases to core deposits
111.86%Equity capital to assets
9.08%Core capital (leverage) ratio
8.77%Tier 1 risk-based capital ratio
11.26%Total risk-based capital ratio
Memoranda
$13Average assets
$103,884Average earning assets
$9,016Average equity
$99,112Average loans
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