Bank of Orange County in Fountain Valley, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 23, 2004

  • Bank of Orange County in Fountain Valley, California (CA)
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Bank of Orange County - Overview

  • General
  • FDIC Certificate #: 23130
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Placer Sierra Bank (#30307)
    Federal Reserve ID: 738367
    Date Established: May 28, 1980
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Interstate: No)
    FDIC's unique #: 16205
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 28, 1980
    Last Structure Change Effective Date: July 23, 2004
    Last Structure Change Process Date: July 30, 2004
    Last Data Update: July 30, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 10101 Slater Avenue, Fountain Valley, CA 92708
    County: Orange
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Orange
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Orange County, CA (#5945)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
  • Financial Summary
  • Total assets: $449.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2003)

  • Dollar figures in thousands
  • 114Total employees (full-time equivalent)
  • $449,117Total assets
  • $19,214Cash and due from depository institutions
  • $0Interest-bearing balances
  • $74,325Securities
  • $11,000Federal funds sold & reverse repurchase agreements
  • $297,235Net loans & leases
  • $5,313Loan loss allowance
  • $0Trading account assets
  • $3,034Bank premises and fixed assets
  • $0Other real estate owned
  • $24,519Goodwill and other intangibles
  • $0Life insurance assets
  • $19,790All other assets
  • $449,117Total liabilities and capital
  • $385,609Total liabilities
  • $351,923Total deposits
  • $183,866Interest-bearing deposits
  • $351,923Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $29,027Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $4,659All other liabilities
  • $63,508Total equity capital
  • $63,508Total bank equity capital
  • $63,508Perpetual preferred stock
  • $6,060Common stock
  • $49,719Surplus
  • $0Undivided profits
  • Memoranda
  • $7,729Noncurrent loans and leases
  • $61,625Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $507Earning assets
  • $0Long-term assets (5+ years)
  • $2,203Average Assets, year-to-date
  • $382,560Average Assets, quarterly
  • $155,729Volatile liabilities
  • $433,278Insider loans
  • $448,073FHLB advances
  • $48,692Loans and leases held for sale
  • $300Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $61,625Total unused commitments
  • $0Restructured Loans and leases
  • $4,439Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $22,642Total interest income
  • $1,281Total interest expense
  • $21,361Net interest income
  • -$665Provision for loan and lease losses
  • $3,656Total noninterest income
  • $0Fiduciary activities
  • $1,759Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,897Additional noninterest income
  • $16,273Total noninterest expense
  • $7,334Salaries and employee benefits
  • $2,342Premises and equipment expense
  • $6,597Additional noninterest expense
  • $9,409Pre-tax net operating income
  • $58Securities gains (losses)
  • $2,867Applicable income taxes
  • $6,600Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,600Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$1,293Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.20%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 5.85%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.46%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 2.18%Pretax return on assets
  • 10.90%Return on equity (ROE)
  • 10.07%Retained earnings to average equity (YTD only)
  • -0.46%Net charge-offs to loans
  • 51.43%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,713Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.58%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 1047.93%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 84.46%Net loans and leases to core deposits
  • 89.46%Equity capital to assets
  • 14.14%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 11.25%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $433,278Average earning assets
  • $60,556Average equity
  • $365,133Average loans

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