Business Bank of California in San Bernardino, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 16, 2004

  • Business Bank of California in San Bernardino, California (CA)
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Business Bank of California - Overview

  • General
  • FDIC Certificate #: 25070
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Bank, National Association (#22826)
    Federal Reserve ID: 18863
    Date Established: April 02, 1984
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 17 (Interstate: No)
    FDIC's unique #: 17354
    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: April 02, 1984
    Last Structure Change Effective Date: January 16, 2004
    Last Structure Change Process Date: January 30, 2004
    Last Data Update: January 30, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 505 West Second Street, San Bernardino, CA 92401
    County: San Bernardino
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (North)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Riverside-San Bernardino, CA (#6780)
    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): Riverside-San Bernardino-Ontario, CA (#40140)
    CBSA Metro Statistical Area: Riverside-San Bernardino-Ontario, CA (#40140)
  • Financial Summary
  • Total assets: $698.6 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
  • 211Total employees (full-time equivalent)
  • $698,623Total assets
  • $26,324Cash and due from depository institutions
  • $131Interest-bearing balances
  • $211,121Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $412,896Net loans & leases
  • $5,630Loan loss allowance
  • $0Trading account assets
  • $12,113Bank premises and fixed assets
  • $921Other real estate owned
  • $20,743Goodwill and other intangibles
  • $0Life insurance assets
  • $14,505All other assets
  • $698,623Total liabilities and capital
  • $624,603Total liabilities
  • $597,587Total deposits
  • $375,359Interest-bearing deposits
  • $597,587Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $24,186Other borrowed funds
  • $0Subordinated debt
  • $2,830All other liabilities
  • $74,020Total equity capital
  • $74,020Total bank equity capital
  • $74,020Perpetual preferred stock
  • $0Common stock
  • $7,497Surplus
  • $38,189Undivided profits
  • Memoranda
  • $28,334Noncurrent loans and leases
  • $126,935Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $732Earning assets
  • $732Long-term assets (5+ years)
  • $2,820Average Assets, year-to-date
  • $624,148Average Assets, quarterly
  • $160,818Volatile liabilities
  • $657,820Insider loans
  • $686,649FHLB advances
  • $80,058Loans and leases held for sale
  • $5,560Unused loan commitments
  • $24,186Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $126,935Total unused commitments
  • $17Restructured Loans and leases
  • $5,760Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $35,786Total interest income
  • $4,137Total interest expense
  • $31,649Net interest income
  • $300Provision for loan and lease losses
  • $6,163Total noninterest income
  • $0Fiduciary activities
  • $3,698Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,465Additional noninterest income
  • $24,467Total noninterest expense
  • $13,659Salaries and employee benefits
  • $4,181Premises and equipment expense
  • $6,627Additional noninterest expense
  • $13,045Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,981Applicable income taxes
  • $8,064Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,064Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$18Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.17%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 5.46%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 4.22%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.98%Pretax return on assets
  • 11.35%Return on equity (ROE)
  • 8.54%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -1666.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,802Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.80%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 769.13%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 69.09%Net loans and leases to core deposits
  • 76.22%Equity capital to assets
  • 10.60%Core capital (leverage) ratio
  • 7.74%Tier 1 risk-based capital ratio
  • 10.05%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $657,820Average earning assets
  • $71,030Average equity
  • $579,935Average loans

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