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How The Banks Rank
Newbies On The Block
Pete Davis Looks ’Em Over
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 These 25 San Diego County-headquartered banks and FDIC-insured financial institutions are ranked by Return on Assets, or ROA, the most widely used figure for tracking a lender’s performance. A return of 1 percent or more is considered very good. Unusual circumstances, such as being a new bank or having a large loan go south, can cause a temporary decline. |
| Rank In 2001/ Rank In 2000 |
Name Address Phone |
# Offices
|
President and/or CEO
Phone |
ROA
|
Assets
(in thousands) |
Change in Assets
|
Core Cap/Adj. Total Assets
|
Prov for Loan & Lease Losses
(in thousands) |
Operating Profit/AA
|
Liquid/
Total Assets |
Return on Average Equity
|
| 1/2 | Rancho Santa Fe NB 6110 El Tordo Rancho Santa Fe, CA 92067 |
4
|
James A Boyce*
(858) 756-3023 |
1.95
|
255,622
|
13.83
|
9.17
|
0
|
3.37
|
14.16
|
22.25
|
| 2/1 | San Diego NB 1420 Kettner Blvd San Diego, CA 92101-2423 |
17
|
Robert B Horsman
(619) 231-4989 |
1.64 |
1,638,712 |
14.02 |
9.90 |
2,000 |
2.73 |
1.62 |
16.58 |
|
3/3 |
Balboa T&LA 595 H St Chula Vista, CA 91910 |
3 |
Ted Monzingo |
1.22 |
82,032 |
6.43 |
9.17 |
1,459 |
2.08 |
4.58 |
13.90 |
|
4/7 |
Capital Bk of North Cty 2602 El Camino Real Carlsbad, CA 92008-1214 |
5 |
Don L Schempp* |
1.21 |
143,650 |
14.87 |
7.50 |
95 |
1.89 |
17.53 |
16.77 |
|
4/9 |
California B&TC 11622 El Camino Real, Ste 200 San Diego, CA 92122 |
99 |
David Blackford |
1.21 |
8,366,328 |
20.33 |
6.60 |
9,250 |
2.06 |
17.55 |
10.53 |
|
5/4 |
Imperial Capital Bk 888 Prospect St, Ste 110 Encino, CA 92037 |
8 |
George Haligowski |
1.15 |
1,358,642 |
11.82 |
10.11 |
8,425 |
1.87 |
4.57 |
12.01 |
|
6/11 |
First NB of North Cty 2365 Marron Rd Carlsbad, CA 92069 |
4 |
Robert E Hahn |
0.95 |
66,802 |
7.06 |
8.59 |
0 |
1.50 |
14.47 |
9.97 |
|
7/8 |
Southwest Cmnty Bk 5810 El Camino Real, Suite D Encinitas, CA 92008 |
5 |
Frank J Mercardante |
0.86 |
123,074 |
41.33 |
8.16 |
460 |
1.00 |
22.29 |
10.77 |
|
8/6 |
Silvergate Bk 8100 La Mesa Blvd La Mesa, CA 91941 |
2 |
Dennis Frank |
0.77 |
239,239 |
59.09 |
5.86 |
168 |
1.17 |
14.45 |
13.02 |
|
9/NA |
Pacific Trust Bank, FSB 279 F Street Chula Vista, CA 91912-5227 |
9 |
Hans Ganz |
0.64 |
309,625 |
3.00 |
9.20 |
849 |
7.45 |
581.45 |
7.09 |
|
10/13 |
Community NB 130 W Fallbrook St Fallbrook, CA 92028-3335 |
5 |
Thomas E Swanson |
0.60 |
368,844 |
31.75 |
7.94 |
1,470 |
1.03 |
11.42 |
7.95 |
|
11/12 |
First United Bk 7320 Clairemont Mesa Blvd San Diego, CA 92111 |
3 |
Andrew C Yip |
0.43 |
116,713 |
-0.04 |
7.41 |
262 |
0.68 |
17.33 |
5.89 |
|
11/11 |
Rancho Bernardo Cmnty Bk 16495 Bernardo Center Dr San Diego, CA 92128 |
3 |
Alan L Douglas |
0.43 |
81,333 |
14.49 |
8.11 |
498 |
0.73 |
5.59 |
5.03 |
|
12/14 |
Cuyamaca Bk NA 9955 Mission Gorge Rd Santee, CA 92071-3841 |
5 |
Bruce A Ives |
0.38 |
74,137 |
10.44 |
9.13 |
84 |
0.56 |
18.01 |
4.26 |
|
13/5 |
Bank of Coronado 1190 Orange Ave Coronado, CA 92118 |
3 |
William R McLaurin |
0.35 |
69,095 |
-10.50 |
8.26 |
240 |
0.59 |
9.66 |
4.38 |
|
13/18 |
Palomar Cmnty Bk 355 W Grand Ave Escondido, CA 92025-2649 |
1 |
Richard Sanborn |
0.35 |
82,771 |
5.98 |
8.75 |
60 |
0.60 |
15.15 |
2.62 |
|
14/10 |
Borrego Springs Bk NA 547 Palm Canyon Dr Borrego Springs, CA 92004 |
5 |
Frank V Rido |
0.33 |
69,560 |
-18.49 |
8.15 |
220 |
0.49 |
20.98 |
4.11 |
|
15/15 |
Neighborhood NB 303 A St, Ste 409 San Diego, CA 92101 |
2 |
Robert McGill |
0.27 |
50,410 |
16.57 |
9.43 |
136 |
0.27 |
22.93 |
2.76 |
|
16/16 |
First International Bk 318 Fourth Ave Chula Vista, CA 91910-3870 |
2 |
Thomas King |
-0.22 |
50,924 |
-6.27 |
6.86 |
20 |
-0.01 |
20.62 |
-2.94 |
|
17/21 |
Bank of Internet USA PO Box 919008 San Diego, CA 92191-9872 |
1 |
Gary Lewis Evans |
-0.31 |
201,340 |
225.47 |
8.43 |
325 |
6.50 |
1,095.66 |
-3.19 |
|
18/16 |
First NB 401 W 'A' St, Ste. 100 San Diego, CA 92101-7917 |
9 |
Dan R Mathis |
-0.70 |
714,018 |
2.54 |
7.14 |
10,675 |
-1.19 |
26.86 |
-9.42 |
|
19/17 |
Armed Forces Bk of CA NA 3280 Main St, 7C San Diego, CA 92113 |
1 |
Don Giles |
-0.76 |
13,451 |
215.75 |
50.26 |
85 |
-1.37 |
21.81 |
-1.35 |
|
20/22 |
Sunrise Bk San Diego 4570 Executive Dr, Ste 120 San Diego, CA 92121 |
1 |
Randy Cundiss |
-3.06 |
37,912 |
N/A |
18.60 |
455 |
-4.62 |
11.66 |
-11.12 |
|
21 |
Regents Bk NA 875 Prospect Ste 100 La Jolla, CA 92037 |
2 |
Dan Yates |
-4.75 |
34,085 |
N/A |
37.90 |
172 |
-4.75 |
58.21 |
-9.27 |
|
22/20 |
First Pacific Bk CA 7728 Regents Rd, Ste 503 San Diego, CA 92122 |
2 |
Vince Siciliano |
-5.64 |
42,988 |
166.92 |
21.40 |
315 |
-5.63 |
15.50 |
-18.88 |
| 23 | Discovery Valley Bk 1145 San Marino Dr, Ste 345 San Marcos, CA 92069 Sub-s Corporations |
1
|
James P Kelley
(760) 736-8900 |
-8.36 |
11,841 |
N/A |
73.32 |
81 |
-8.36 |
27.74 |
-10.49 |
| Sub-S Corporations | |||||||||||
|
1 |
Home Bk of CA 875 Garnet Ave San Diego, CA 92109-3013 |
2 |
Byron B Webb |
2.46 |
120,219 |
18.64 |
7.81 |
300 |
2.54 |
4.76 |
29.44 |
|
2 |
Rancho Santa Fe T&LA 1001 W San Marcos Blvd, Ste 120 San Marcos, CA 92069 |
1 |
Michael L Johns |
3.60 |
107,215 |
14.43 |
19.02 |
2,406 |
4.04 |
3.99 |
20.10 |
|
Rank based on Return on Assets (ROA) for the year ended Dec. 31, 2001. Source: Sheshunoff Business Information Group
*Rancho Santa Fe's parent purchased Capital Bank of North County in March 2002. Robert Sporrer was named CEO of the combination with Don Schempp as president.
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