San Clemente Federal Savings Bank in San Clemente, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 06, 1993

  • San Clemente Federal Savings Bank in San Clemente, California (CA)
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San Clemente Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 33611
    Status: Inactive
    Closing history: Conservatorship Institution Resolved
    Acquiring institution: Household Bank, FSB (#30971)
    Federal Reserve ID: 241072
    Date Established: June 12, 1992
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 10029
    FDIC's unique #: 47665
    Numeric code: 34
    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: June 12, 1992
    Last Structure Change Effective Date: August 06, 1993
    Last Structure Change Process Date: August 18, 1993
    Last Data Update: August 02, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 621 South El Camino Real, San Clemente, CA 92672
    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)
  • History of Changes
  • Pass Through Receivership Merger
    Conservatorship Institution Resolved
  • Financial Summary
  • Total assets: $110.2 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $54Total assets
  • $109,857Cash and due from depository institutions
  • $3,070Interest-bearing balances
  • $2,268Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $16,800Net loans & leases
  • $46,052Loan loss allowance
  • $987Trading account assets
  • $0Bank premises and fixed assets
  • $2,297Other real estate owned
  • $7,038Goodwill and other intangibles
  • $33,576Life insurance assets
  • $1,024All other assets
  • $0Total liabilities and capital
  • $109,857Total liabilities
  • $121,160Total deposits
  • $120,147Interest-bearing deposits
  • $118,709Deposits held in domestic offices
  • 120147.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $724Subordinated debt
  • $0All other liabilities
  • $289Total equity capital
  • $289Total bank equity capital
  • $-11,303Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $-11,303Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,242Income earned, not collected on loans
  • $344Earning assets
  • $65,120Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $183,331Average Assets, quarterly
  • $164,443Volatile liabilities
  • $5,208Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $-13,896Total risk weighted assets
  • $87,843Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,739Total interest expense
  • $6,492Net interest income
  • $3,247Provision for loan and lease losses
  • $0Total noninterest income
  • -$3,783Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • -$3,783Total noninterest expense
  • $15,947Salaries and employee benefits
  • $1,614Premises and equipment expense
  • $3,598Additional noninterest expense
  • $10,735Pre-tax net operating income
  • -$16,483Securities gains (losses)
  • $9Applicable income taxes
  • $105Income before extraordinary items
  • -$16,579Extraordinary gains - net
  • $0Net income attributable to bank
  • -$16,579Net charge-offs
  • $1,053Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • -$7,480Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.55%Cost of funding earning assets
  • 4.36%Net interest margin
  • 2.18%Noninterest income to earning assets
  • -2.54%Noninterest expense to earning assets
  • 10.72%Net operating income to assets
  • -9.05%Return on assets (ROA)
  • -9.04%Pretax return on assets
  • -8.99%Return on equity (ROE)
  • 14089.40%Retained earnings to average equity (YTD only)
  • 14089.40%Net charge-offs to loans
  • 0.80%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • -2,966,418Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 13.63%Noncurrent assets plus other real estate owned to assets
  • 13.00%Noncurrent loans to loans
  • 15.40%Net loans and leases to deposits
  • 38.33%Net loans and leases to core deposits
  • 39.82%Equity capital to assets
  • -10.29%Core capital (leverage) ratio
  • -13.10%Tier 1 risk-based capital ratio
  • -15.82%Total risk-based capital ratio
  • Memoranda
  • -$16Average assets
  • $183,331Average earning assets
  • -$118Average equity
  • $148,771Average loans

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