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

This bank is inactive as of October 29, 1993

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

  • General
  • FDIC Certificate #: 22815
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: California Bank & Trust (#20852)
    Federal Reserve ID: 24864
    Date Established: March 01, 1979
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Interstate: No)
    FDIC's unique #: 15934
    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 01, 1979
    Last Structure Change Effective Date: October 29, 1993
    Last Structure Change Process Date: November 01, 1993
    Last Data Update: November 10, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 225 Broadway, Suite 110, San Diego, CA 92138
    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)
  • History of Changes
  • Absorption - Assisted
    Corrections
  • Financial Summary
  • Total assets: $294.3 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $201Total assets
  • $395,933Cash and due from depository institutions
  • $23,101Interest-bearing balances
  • $2,169Securities
  • $9,093Federal funds sold & reverse repurchase agreements
  • $55,685Net loans & leases
  • $261,246Loan loss allowance
  • $12,238Trading account assets
  • $0Bank premises and fixed assets
  • $5,775Other real estate owned
  • $31,771Goodwill and other intangibles
  • $9,176Life insurance assets
  • $86All other assets
  • $0Total liabilities and capital
  • $395,933Total liabilities
  • $384,941Total deposits
  • $375,168Interest-bearing deposits
  • $314,218Deposits held in domestic offices
  • 375168.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $3,287Trading liabilities
  • $0Other borrowed funds
  • $2,609Subordinated debt
  • $0All other liabilities
  • $3,877Total equity capital
  • $3,877Total bank equity capital
  • $10,992Perpetual preferred stock
  • $0Common stock
  • $13,725Surplus
  • $4,347Undivided profits
  • Memoranda
  • $-7,080Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,828Income earned, not collected on loans
  • $1,617Earning assets
  • $328,193Long-term assets (5+ years)
  • $8,689Average Assets, year-to-date
  • $407,702Average Assets, quarterly
  • $394,505Volatile liabilities
  • $43,029Insider loans
  • $1,099FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $58,677Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,906Total risk weighted assets
  • $325,329Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $32,617Total interest expense
  • $12,818Net interest income
  • $19,799Provision for loan and lease losses
  • $13,007Total noninterest income
  • $5,578Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,174Trading account gains & fees
  • $0Additional noninterest income
  • $3,404Total noninterest expense
  • $28,582Salaries and employee benefits
  • $9,421Premises and equipment expense
  • $5,070Additional noninterest expense
  • $14,091Pre-tax net operating income
  • -$16,212Securities gains (losses)
  • $308Applicable income taxes
  • -$2,109Income before extraordinary items
  • -$13,795Extraordinary gains - net
  • $0Net income attributable to bank
  • -$13,795Net charge-offs
  • $6,615Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.41%Cost of funding earning assets
  • 3.70%Net interest margin
  • 5.71%Noninterest income to earning assets
  • 1.61%Noninterest expense to earning assets
  • 8.25%Net operating income to assets
  • -3.45%Return on assets (ROA)
  • -3.38%Pretax return on assets
  • -3.90%Return on equity (ROE)
  • -71.28%Retained earnings to average equity (YTD only)
  • -71.28%Net charge-offs to loans
  • 2.18%Credit loss provision to net charge-offs
  • 196.63%Efficiency ratio
  • 112,472Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.47%Loss allowance to noncurrent loans
  • 45.62%Noncurrent assets plus other real estate owned to assets
  • 13.76%Noncurrent loans to loans
  • 9.81%Net loans and leases to deposits
  • 69.63%Net loans and leases to core deposits
  • 77.88%Equity capital to assets
  • 2.78%Core capital (leverage) ratio
  • 2.78%Tier 1 risk-based capital ratio
  • 3.35%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $407,702Average earning assets
  • $19,352Average equity
  • $346,655Average loans

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