The Bank of Rancho Bernardo in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1996

The Bank of Rancho Bernardo in San Diego, California (CA)
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The Bank of Rancho Bernardo - Overview

General
FDIC Certificate #: 23405
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Pacific National Bank (#23810)
Federal Reserve ID: 27463
Date Established: May 01, 1981
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 16406
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: May 01, 1981
Last Structure Change Effective Date: April 01, 1996
Last Structure Change Process Date: April 11, 1996
Last Data Update: April 11, 1996
Data Source Date: April 05, 2012
Location
Address: 11717 Bernardo Plaza Court, 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: $60.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$31Total assets
$60,989Cash and due from depository institutions
$4,135Interest-bearing balances
$891Securities
$9,468Federal funds sold & reverse repurchase agreements
$5,725Net loans & leases
$39,732Loan loss allowance
$815Trading account assets
$0Bank premises and fixed assets
$1,239Other real estate owned
$55Goodwill and other intangibles
$635Life insurance assets
$0All other assets
$0Total liabilities and capital
$60,989Total liabilities
$55,901Total deposits
$55,223Interest-bearing deposits
$44,452Deposits held in domestic offices
55223.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$678Total equity capital
$678Total bank equity capital
$5,088Perpetual preferred stock
$0Common stock
$1,250Surplus
$1,312Undivided profits
Memoranda
$2,526Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$432Income earned, not collected on loans
$236Earning assets
$55,816Long-term assets (5+ years)
$0Average Assets, year-to-date
$57,994Average Assets, quarterly
$59,020Volatile liabilities
$4,312Insider loans
$1,145FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$11,985Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,028Total risk weighted assets
$44,217Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,886Total interest expense
$1,657Net interest income
$3,229Provision for loan and lease losses
$54Total noninterest income
$548Fiduciary activities
$0Service charges on deposit accounts
$156Trading account gains & fees
$0Additional noninterest income
$392Total noninterest expense
$2,556Salaries and employee benefits
$1,343Premises and equipment expense
$357Additional noninterest expense
$856Pre-tax net operating income
$1,167Securities gains (losses)
-$9Applicable income taxes
$383Income before extraordinary items
$775Extraordinary gains - net
$0Net income attributable to bank
$775Net charge-offs
-$23Cash dividends
$20Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.21%Cost of funding earning assets
3.12%Net interest margin
6.08%Noninterest income to earning assets
1.03%Noninterest expense to earning assets
4.82%Net operating income to assets
1.35%Return on assets (ROA)
1.34%Pretax return on assets
2.00%Return on equity (ROE)
16.72%Retained earnings to average equity (YTD only)
16.29%Net charge-offs to loans
-0.06%Credit loss provision to net charge-offs
-234.78%Efficiency ratio
67,673Assets per employee
1.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
2.58%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
188.66%Noncurrent assets plus other real estate owned to assets
0.80%Noncurrent loans to loans
1.07%Net loans and leases to deposits
71.95%Net loans and leases to core deposits
78.04%Equity capital to assets
8.34%Core capital (leverage) ratio
8.49%Tier 1 risk-based capital ratio
11.37%Total risk-based capital ratio
Memoranda
$13Average assets
$57,994Average earning assets
$4,635Average equity
$53,078Average loans

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