Rancho Bernardo Community Bank Financial Statements & Health Reports

Acquired Aug 2005

Vitals

ROAA

1.17

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Rancho Bernardo Community Bank	All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets	124,483	490,560
Total Net Loans	89,619	362,171
Total Deposits	112,558	381,022
Total Equity	10,556	56,938
Profitability
Net Income	673	10,239
Return on Average Assets	1.17	1.468
Return on Average Equity	13.314	13.722
Net Interest Margin	5.373	4.815
Efficiency Ratio	57.323	70.343
Noninterest Income/Revenue	4.063	23.2
Balance Sheet Ratios
Loan-to-Deposit	79.62	83.247
Securities/Assets	.145	.639
Total Equity/Total Assets	.085	.116
Tangible Equity/Tangible Assets	.084	-.165
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	10,596	48,013
Tier 2 Capital	1,247	6,151
Total Capital	11,843	53,006
Total Risk Weighted Assets	99,898	384,172
Leverage Ratio	8.85	12.23
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	10.61	15.701
Total Capital Ratio	11.86	16.878

Rancho Bernardo Community Bank was acquired by Community National Bank 18 years

View Profile Aug 20 2005

Rancho Bernardo Community Bank was established 26 years ago and is currently headquartered in San Diego, CA.

Jun 16 1997

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Community National Bank	Buyer	878,788	Acquisition	Discontinued	8/20/2005

Relationships	Role	Relationship Start	Relationship End

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