Bank of the Orient in San Francisco, California (CA), HI
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of the Orient in San Francisco, California (CA), HI
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Bank of the Orient - Overview

  • General
  • FDIC Certificate #: 20387
    Status: Active
    Federal Reserve ID: 777366
    Bank Holding Company (Regulatory Top Holder): Orient Bancorporation (RSSDID: 1028533, Location: San Francisco, CA)
    Date Established: March 17, 1971
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 11 (Domestic: 10, Foreign: 1, Interstate: Yes)
    FDIC's unique #: 14046
    Numeric code: 13
    Regulator: FED
    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: Yes
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 17, 1971
    Last Structure Change Effective Date: September 30, 2011
    Last Structure Change Process Date: September 30, 2011
    Last Data Update: September 30, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 233 Sansome Street, San Francisco, CA 94104
    County: San Francisco
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Francisco, CA (#7360)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
  • Financial Summary
  • Total assets: $576.8 mil
    Equity capital: $41.2 mil
    Deposits held in domestic offices: $472.9 mil
    Return on assets (ROA): -0.28% (-$1.6 mil)
    Quarterly return on assets: -0.06% (-$0.3 mil)
    Return on Equity (ROE): -4.05% (-$1.7 mil)
    Quarterly return on equity: -0.80% (-$0.3 mil)
    Net income: -$1.7 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.28% (-$1,615.1 mil)
    Quarterly Pretax return on assets: -0.06% (-$346.1 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, 2011)

  • Dollar figures in thousands
  • 113Total employees (full-time equivalent)
  • $576,808Total assets
  • $102,976Cash and due from depository institutions
  • $94,662Interest-bearing balances
  • $85,377Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $363,847Net loans & leases
  • $21,176Loan loss allowance
  • $0Trading account assets
  • $4,468Bank premises and fixed assets
  • $2,490Other real estate owned
  • $0Goodwill and other intangibles
  • $576,808Life insurance assets
  • $17,650All other assets
  • $535,656Total liabilities and capital
  • $477,161Total liabilities
  • $420,346Total deposits
  • $472,915Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $51,000Trading liabilities
  • $0Other borrowed funds
  • $7,495Subordinated debt
  • $41,152All other liabilities
  • $41,152Total equity capital
  • $41,152Total bank equity capital
  • $0Perpetual preferred stock
  • $10,050Common stock
  • $14,332Surplus
  • $16,770Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $8,220Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,759Income earned, not collected on loans
  • $0Earning assets
  • $2,309Long-term assets (5+ years)
  • $543,886Average Assets, year-to-date
  • $190,093Average Assets, quarterly
  • $593,626Volatile liabilities
  • $580,104Insider loans
  • $343,408FHLB advances
  • $580,944Loans and leases held for sale
  • $6,544Unused loan commitments
  • $6,544Tier 1 (core) risk-based capital
  • $37,841Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $40,307Restructured Loans and leases
  • $260Derivatives
  • $32,033Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,373Total interest income
  • $5,845Total interest expense
  • $21,528Net interest income
  • $1,900Provision for loan and lease losses
  • -$48Total noninterest income
  • $0Fiduciary activities
  • $172Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$220Additional noninterest income
  • $21,199Total noninterest expense
  • $8,377Salaries and employee benefits
  • $3,815Premises and equipment expense
  • $9,007Additional noninterest expense
  • -$1,619Pre-tax net operating income
  • -$32Securities gains (losses)
  • $0Applicable income taxes
  • -$1,651Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,651Net income attributable to bank
  • $0Net charge-offs
  • -$1,651Cash dividends
  • -$366Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.89%Net interest margin
  • -0.01%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • -0.27%Net operating income to assets
  • -0.28%Return on assets (ROA)
  • -0.28%Pretax return on assets
  • -4.05%Return on equity (ROE)
  • -4.05%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • -519.13%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 98,692Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.50%Loss allowance to noncurrent loans
  • 79.14%Noncurrent assets plus other real estate owned to assets
  • 5.07%Noncurrent loans to loans
  • 6.95%Net loans and leases to deposits
  • 76.25%Net loans and leases to core deposits
  • 82.79%Equity capital to assets
  • 7.13%Core capital (leverage) ratio
  • 6.51%Tier 1 risk-based capital ratio
  • 11.02%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $593,626Average earning assets
  • $40,755Average equity
  • $553,984Average loans

List of branches

  • 1 Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5250882Xiamen Branch (Frgn)499 Bailuzhou Road, Xiamen, Fuujian Province, 0April 17, 1987Full Service Brick and Mortar
  • 7 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014046Bank Of The Orient233 Sansome Street, San Francisco, CA 94104March 17, 1971Full Service Brick and Mortar
    1250878Chinatown Branch1023 Stockton Street, San Francisco, CA 94108December 01, 1972Full Service Brick and Mortar
    2250879Clement And Sixth Branch317 6th Avenue, San Francisco, CA 94118Febuary 26, 1975Full Service Brick and Mortar
    4250881Oakland Branch360 Twelfth Street, Oakland, CA 94607Febuary 05, 1981Full Service Brick and Mortar
    6250883Sansome Street Branch233 Sansome Street, Third Floor, San Francisco, CA 94104November 19, 1987Limited Service Administrative
    7250884Irving Street Branch2001 Irving Street, San Francisco, CA 94118Febuary 24, 1997Full Service Brick and Mortar
    8357112Millbrae Branch500 Broadway Avenue, Millbrae, CA 94030November 15, 1999Full Service Brick and Mortar
  • 3 Hawaii Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    914531Bishop Street Branch765 Bishop Street, Honolulu, HI 96813April 09, 1973Full Service Brick and Mortar
    10252057Manoa Branch2851 East Manoa Road, Honolulu, HI 96822Febuary 04, 1975Full Service Brick and Mortar
    16494991Maunakea Branch1016 Maunakea Street, M-1, Honolulu, HI 96817September 21, 2009Full Service Brick and Mortar

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