Vitals
  • Total Assets
    141.7M 7.9 %
  • Total Deposits
    121.1M 5.4 %
  • Total Net Loans
    97.0M 5.3 %
  • Net Income
    940000.0000 -8.9 %
  • Book Value
    16.0M 22.6 %
  • Book Value x2
    31.9M 22.6 %
  • Book Value x3
    47.9M 22.6 %
ROAA

.659

ROAE

6.533

Efficiency Ratio

81.787

Net Interest Margin

4.67

Balance Sheet Highlights
Financial Highlights Borrego Springs Bank, National Association All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 141,708 694,287
Total Net Loans 96,979 427,077
Total Deposits 121,075 531,651
Total Equity 15,965 94,329
Profitability
Net Income 940 8,252
Return on Average Assets .659 .767
Return on Average Equity 6.533 5.979
Net Interest Margin 4.67 4.052
Efficiency Ratio 81.787 74.083
Noninterest Income/Revenue 56.988 12.735
Balance Sheet Ratios
Loan-to-Deposit 80.098 76.427
Securities/Assets .155
Total Equity/Total Assets .113 .136
Tangible Equity/Tangible Assets .092 .128
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 14,825 82,133
Tier 2 Capital 1,358 6,210
Total Capital 16,183 88,323
Total Risk Weighted Assets 106,302 484,242
Leverage Ratio 10.38 11.66
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 13.95 16.524
Total Capital Ratio 15.22 17.799

Timeline for Borrego Springs Bank, National Association

Sterling Savings Bank

Borrego Springs Bank, National Association was acquired by Sterling Savings Bank 11 years

View Profile Mar 01 2013

American Heritage Holdings

American Heritage Holdings became a new parent organization for Borrego Springs Bank, National Association.

View Profile Oct 15 2007

Borrego Springs Bank, National Association

Borrego Springs Bank, National Association was established 41 years ago and is currently headquartered in La Mesa, CA.

Nov 01 1982

Bsd Bancorp, Inc.

Bsd Bancorp, Inc. became a new parent organization for Borrego Springs Bank, National Association.

View Profile Nov 01 1982
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Sterling Savings Bank Buyer 10,214,194 Acquisition Discontinued 3/1/2013
Relationships Role Relationship Start Relationship End
American Heritage Holdings Parent 10/15/2007 2/28/2013
Bsd Bancorp, Inc. Parent 10/1/1986 6/28/1990
Bsd Bancorp, Inc. Parent 11/1/1982 9/30/1986
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