Vitals
  • Total Assets
    64.9M -2.4 %
  • Total Deposits
    35.8M -7.0 %
  • Total Net Loans
    62.4M 10.1 %
  • Net Income
    1.1M 67.0 %
  • Book Value
    28.5M 4.0 %
  • Book Value x2
    57.0M 4.0 %
  • Book Value x3
    85.5M 4.0 %
ROAA

1.693

ROAE

3.876

Efficiency Ratio

56.505

Net Interest Margin

5.374

Balance Sheet Highlights
Financial Highlights Rancho Santa Fe Thrift & Loan Association All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 64,891 1,346,313
Total Net Loans 62,368 907,793
Total Deposits 35,810 1,084,972
Total Equity 28,491 169,778
Profitability
Net Income 1,084 12,577
Return on Average Assets 1.693 .955
Return on Average Equity 3.876 8.072
Net Interest Margin 5.374 3.784
Efficiency Ratio 56.505 64.937
Noninterest Income/Revenue .028 13.682
Balance Sheet Ratios
Loan-to-Deposit 174.164 83.983
Securities/Assets .141
Total Equity/Total Assets .439 .126
Tangible Equity/Tangible Assets .439 .113
Capital Adequacy
Tier 1 Common Capital 28,491 147,337
Tier 1 Capital 28,491 147,552
Tier 2 Capital 604 11,893
Total Capital 29,095 160,236
Total Risk Weighted Assets 64,310 1,009,488
Leverage Ratio 47.25 11.256
Common Equity Tier 1 Capital Ratio 44.3 14.697
Tier 1 Capital Ratio 44.3 14.792
Total Capital Ratio 45.24 16.005

Timeline for Rancho Santa Fe Thrift & Loan Association

Firstrust Savings Bank

Firstrust Savings Bank became a new parent organization for Rancho Santa Fe Thrift & Loan Association.

View Profile Jul 07 1993

Rancho Santa Fe Thrift & Loan Association

Rancho Santa Fe Thrift & Loan Association was established 42 years ago and is currently headquartered in San Marcos, CA.

Jan 02 1982
Relationships Role Relationship Start Relationship End
Firstrust Savings Bank Parent 6/30/2007
Firstrust Savings Bank Parent 7/7/1993 6/29/2007
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