Eldorado Bancorp in Laguna Hills, the holding company for Tustin-based Eldorado Bank, reported record consolidated net income of $2.3 million for 1987, a 27.8% increase over $1.8 million the previous year. Gross annual income, however, fell slightly to $21.35 million from $21.46 million. For the fourth quarter, net income climbed 20.9% to $544,000 in 1987 from $450,000 in the previous year's final quarter. Gross quarterly income rose 5.8% to $5.5 million from $5.2 million the previous year. The company's total assets were $199 million at the end of December, a 10.1% increase over $180.7 million in assets a year earlier. The bank's loan portfolio rose 6.4% to $117.6 million at the end of the year from $110.5 million a year earlier, and total deposits grew 9.2% to $178.3 million from $163.3 million.