Bank of Southern California, N.A. in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Southern California, N.A. - Overview

  • General
  • FDIC Certificate #: 57044
    Status: Active
    Federal Reserve ID: 3076453
    Date Established: December 18, 2001
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 340749
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 18, 2001
    Last Structure Change Effective Date: August 26, 2011
    Last Structure Change Process Date: September 29, 2011
    Last Data Update: September 29, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 12265 El Camino Real, Suite 100, San Diego, CA 92130
    County: San Diego
    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): San Diego, CA (#7320)
    Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740)
    CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $188.0 mil
    Equity capital: $23.3 mil
    Deposits held in domestic offices: $162.4 mil
    Return on assets (ROA): 0.59% ($1.1 mil)
    Quarterly return on assets: 1.42% ($2.7 mil)
    Return on Equity (ROE): 5.07% ($1.2 mil)
    Quarterly return on equity: 11.70% ($2.7 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.40% ($751.9 mil)
    Quarterly Pretax return on assets: 0.68% ($1,278.2 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, 2011)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $187,972Total assets
  • $24,992Cash and due from depository institutions
  • $17,740Interest-bearing balances
  • $13,010Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $144,219Net loans & leases
  • $2,732Loan loss allowance
  • $0Trading account assets
  • $962Bank premises and fixed assets
  • $476Other real estate owned
  • $1,120Goodwill and other intangibles
  • $187,972Life insurance assets
  • $3,193All other assets
  • $164,625Total liabilities and capital
  • $162,433Total liabilities
  • $112,550Total deposits
  • $162,433Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,192Subordinated debt
  • $23,347All other liabilities
  • $23,347Total equity capital
  • $23,347Total bank equity capital
  • $4,278Perpetual preferred stock
  • $16,317Common stock
  • $13,083Surplus
  • $-10,331Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,580Income earned, not collected on loans
  • $997Earning assets
  • $522Long-term assets (5+ years)
  • $174,969Average Assets, year-to-date
  • $45,363Average Assets, quarterly
  • $183,817Volatile liabilities
  • $189,676Insider loans
  • $130,907FHLB advances
  • $191,572Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,116Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,997Restructured Loans and leases
  • $3,658Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,454Total interest income
  • $1,142Total interest expense
  • $8,312Net interest income
  • $800Provision for loan and lease losses
  • $593Total noninterest income
  • $0Fiduciary activities
  • $355Service charges on deposit accounts
  • $0Trading account gains & fees
  • $238Additional noninterest income
  • $7,407Total noninterest expense
  • $4,051Salaries and employee benefits
  • $1,245Premises and equipment expense
  • $2,111Additional noninterest expense
  • $698Pre-tax net operating income
  • $40Securities gains (losses)
  • -$353Applicable income taxes
  • $1,091Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,091Net income attributable to bank
  • $0Net charge-offs
  • $1,091Cash dividends
  • $525Sale, conversion, retirement of capital stock, net
  • $222Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.86%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 5.07%Return on equity (ROE)
  • 4.04%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 152.38%Credit loss provision to net charge-offs
  • 2.85%Efficiency ratio
  • 82,280Assets per employee
  • 4.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.35%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 59.65%Noncurrent assets plus other real estate owned to assets
  • 2.69%Noncurrent loans to loans
  • 3.12%Net loans and leases to deposits
  • 88.79%Net loans and leases to core deposits
  • 100.06%Equity capital to assets
  • 12.42%Core capital (leverage) ratio
  • 11.54%Tier 1 risk-based capital ratio
  • 16.89%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $183,817Average earning assets
  • $21,506Average equity
  • $170,923Average loans

List of branches

  • 6 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0340749Bank Of Southern California, N.A.12265 El Camino Real, Suite 100, San Diego, CA 92130December 18, 2001Full Service Brick and Mortar
    2470778Ramona Branch1315 Main Street, Ramona, CA 92065January 14, 2008Full Service Brick and Mortar
    3493455Carlsbad Branch3142 Tiger Run Court, Ste 107, Carlsbad, CA 92010September 23, 2008Full Service Brick and Mortar
    4365226La Quinta Branch47-020 Washington, La Quinta, CA 92253November 30, 2001Full Service Brick and Mortar
    5465774Palm Springs Branch333 North Palm Canyon, Suite 102, Palm Springs, CA 92262June 19, 2007Full Service Brick and Mortar
    6521913Downtown Branch1620 5th Avenue, Suite 120, San Diego, CA 92101July 01, 2010Full Service Brick and Mortar

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