California Bank & Trust in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


California Bank & Trust - Overview

  • General
  • FDIC Certificate #: 20852
    Status: Active
    Federal Reserve ID: 837260
    Bank Holding Company (Regulatory Top Holder): Zions Bancorporation (RSSDID: 1027004, Location: Salt Lake City, UT)
    Date Established: November 09, 1972
    WWW: http://www.calbanktrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 109 (Domestic: 109, Interstate: No)
    FDIC's unique #: 14404
    Numeric code: 21
    Regulator: FDIC
    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: November 09, 1972
    Last Structure Change Effective Date: July 17, 2009
    Last Structure Change Process Date: July 20, 2009
    Last Data Update: July 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 11622 El Camino Real, Suite 200, 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
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Corrections
  • Financial Summary
  • Total assets: $10,894.1 mil
    Equity capital: $1,531.8 mil
    Deposits held in domestic offices: $9,193.9 mil
    Return on assets (ROA): 1.24% ($135.1 mil)
    Quarterly return on assets: 1.13% ($123.1 mil)
    Return on Equity (ROE): 9.01% ($138.0 mil)
    Quarterly return on equity: 8.10% ($124.1 mil)
    Net income: $134.4 mil
    Quarterly Net income: $30.9 mil
    Pretax return on assets: 2.05% ($223,328.2 mil)
    Quarterly Pretax return on assets: 1.87% ($203,718.9 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, 2011)

  • Dollar figures in thousands
  • 1,574Total employees (full-time equivalent)
  • $10,894,059Total assets
  • $1,261,084Cash and due from depository institutions
  • $1,085,861Interest-bearing balances
  • $335,194Securities
  • $3,894Federal funds sold & reverse repurchase agreements
  • $8,211,618Net loans & leases
  • $186,427Loan loss allowance
  • $6,390Trading account assets
  • $57,590Bank premises and fixed assets
  • $34,648Other real estate owned
  • $387,472Goodwill and other intangibles
  • $10,894,059Life insurance assets
  • $596,169All other assets
  • $9,362,303Total liabilities and capital
  • $9,193,912Total liabilities
  • $5,530,251Total deposits
  • $9,193,912Interest-bearing deposits
  • $51Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $6,065Federal funds purchased & repurchase agreements
  • $572Trading liabilities
  • $0Other borrowed funds
  • $161,754Subordinated debt
  • $1,531,756All other liabilities
  • $1,531,756Total equity capital
  • $1,531,756Total bank equity capital
  • $262,000Perpetual preferred stock
  • $3,180Common stock
  • $1,002,885Surplus
  • $263,691Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,835Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $244,109Income earned, not collected on loans
  • $11,459Earning assets
  • $29,971Long-term assets (5+ years)
  • $9,636,567Average Assets, year-to-date
  • $1,930,839Average Assets, quarterly
  • $10,833,372Volatile liabilities
  • $10,916,435Insider loans
  • $8,400,358FHLB advances
  • $10,584,186Loans and leases held for sale
  • $191,989Unused loan commitments
  • $161,838Tier 1 (core) risk-based capital
  • $1,160,310Tier 2 risk-based capital
  • $30,151Total risk weighted assets
  • $0Total unused commitments
  • $2,154,782Restructured Loans and leases
  • $2,028Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $527,709Total interest income
  • $20,615Total interest expense
  • $507,094Net interest income
  • -$9,520Provision for loan and lease losses
  • $104,235Total noninterest income
  • $0Fiduciary activities
  • $34,181Service charges on deposit accounts
  • $3,581Trading account gains & fees
  • $66,473Additional noninterest income
  • $354,017Total noninterest expense
  • $148,721Salaries and employee benefits
  • $36,240Premises and equipment expense
  • $169,056Additional noninterest expense
  • $266,832Pre-tax net operating income
  • -$44,418Securities gains (losses)
  • $88,051Applicable income taxes
  • $134,363Income before extraordinary items
  • $0Extraordinary gains - net
  • $134,363Net income attributable to bank
  • $0Net charge-offs
  • $134,363Cash dividends
  • $53,906Sale, conversion, retirement of capital stock, net
  • $42,550Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 0.22%Cost of funding earning assets
  • 5.31%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 1.50%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 2.05%Pretax return on assets
  • 9.01%Return on equity (ROE)
  • 6.15%Retained earnings to average equity (YTD only)
  • 0.64%Net charge-offs to loans
  • -17.66%Credit loss provision to net charge-offs
  • 4.77%Efficiency ratio
  • 57,423Assets per employee
  • 6.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.67%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 76.37%Noncurrent assets plus other real estate owned to assets
  • 2.58%Noncurrent loans to loans
  • 2.91%Net loans and leases to deposits
  • 89.32%Net loans and leases to core deposits
  • 91.04%Equity capital to assets
  • 14.06%Core capital (leverage) ratio
  • 10.96%Tier 1 risk-based capital ratio
  • 13.81%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $10,833,372Average earning assets
  • $1,491,908Average equity
  • $9,541,493Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,097Managed Assets
  • 1Number of Accounts
  • $3,026Personal trust and agency accounts
  • $3,026Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $71Other retirement accounts
  • $71Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 109 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014404California Bank & Trust11622 El Camino Real, Suite 200, San Diego, CA 92130November 09, 1972Full Service Brick and Mortar
    1251805El Cajon Branch1024 Graves Avenue, El Cajon, CA 92021April 01, 1974Full Service Brick and Mortar
    2251806Mission Gorge Branch6313 Mission Gorge Road, San Diego, CA 92120October 27, 1975Full Service Brick and Mortar
    4251808Rancho San Diego Branch3787 Avocado Boulevard, La Mesa, CA 91941September 22, 1980Full Service Brick and Mortar
    715012Hillcrest Branch3737 Fifth Avenue, San Diego, CA 92103July 10, 1974Full Service Brick and Mortar
    10251811Vista Branch140 Civic Center Drive, Vista, CA 92084July 23, 1990Full Service Brick and Mortar
    11251812Del Mar Branch2775 Via De La Valle, Del Mar, CA 92014July 23, 1990Full Service Brick and Mortar
    12251813San Diego Branch525 B Street, San Diego, CA 92101Febuary 11, 1985Full Service Brick and Mortar
    27251816Golden Triangle Branch4320 La Jolla Village Drive, San Diego, CA 92122June 30, 1994Full Service Brick and Mortar
    28251817Downtown Emerald Plaza Branch402 West Broadway, Ste 190, San Diego, CA 92101March 10, 1997Full Service Brick and Mortar
    32251820La Jolla Branch1127 Wall Street, La Jolla, CA 92037July 28, 1997Full Service Brick and Mortar
    33251821Carlsbad Branch2141 Palomar Airport Road, Carlsbad, CA 92011Febuary 24, 1997Full Service Brick and Mortar
    34251822Scripps Poway Branch10605 Scripps Poway Pkwy, Ste A, San Diego, CA 92131November 24, 1997Full Service Brick and Mortar
    35196447Alpine Branch2250 Alpine Boulevard, Alpine, CA 91901May 10, 1963Full Service Brick and Mortar
    3616646Escondido Branch613 West Valley Parkway, Escondido, CA 92025May 03, 1982Full Service Brick and Mortar
    3717285San Marcos Branch978 San Marcos Boulevard, San Marcos, CA 92078January 16, 1984Full Service Brick and Mortar
    3946197Temecula Valley Branch41615 Winchester Road, Temecula, CA 92590July 16, 1990Full Service Brick and Mortar
    4016856Moreno Valley Branch12625 Frederick Street, Spc V-1, Moreno Valley, CA 92553December 06, 1982Full Service Brick and Mortar
    4116406Rancho Bernardo Branch16796 Bernardo Center Drive, San Diego, CA 92128May 01, 1981Full Service Brick and Mortar
    43189695Valley Center Branch29124 Valley Center Road, Valley Center, CA 92082September 22, 1969Full Service Brick and Mortar
    4411219San Francisco Main465 California Street, San Francisco, CA 94104November 14, 1952Full Service Brick and Mortar
    45240967Gardena Branch1655 West Redondo Beach Boulevard, Gardena, CA 90247August 01, 1963Full Service Brick and Mortar
    46240968Los Angeles Branch101 South San Pedro Street, Los Angeles, CA 90012Febuary 02, 1953Full Service Brick and Mortar
    47240969Crenshaw Branch3810 Crenshaw Boulevard, Los Angeles, CA 90008August 01, 1961Full Service Brick and Mortar
    48240970Sacramento Branch1331 Broadway, Sacramento, CA 95818November 01, 1955Full Service Brick and Mortar
    49240971Oakland Branch400 20th Street, Oakland, CA 94612July 07, 1965Full Service Brick and Mortar
    50240972San Jose Main515 North First Street, San Jose, CA 95112December 18, 1961Full Service Brick and Mortar
    52240974Monterey Park Branch2107 South Atlantic Boulevard, Monterey Park, CA 91754June 03, 1969Full Service Brick and Mortar
    53240975San Mateo Branch1690 South El Camino Real, San Mateo, CA 94402August 01, 1969Full Service Brick and Mortar
    55240977Contra Costa Branch620 Contra Costa Boulevard, Pleasant Hill, CA 94523November 09, 1971Full Service Brick and Mortar
    56240978Torrance Branch21515 Hawthorne Boulevard, Suite 100, Torrance, CA 90503May 01, 1972Full Service Brick and Mortar
    57240979Geary Branch5255 Geary Boulevard, San Francisco, CA 94118June 27, 1972Full Service Brick and Mortar
    59240981Arden Way Branch1800 Arden Way, Sacramento, CA 95815April 17, 1973Full Service Brick and Mortar
    60240982Hayward Branch785 Southland Drive, Hayward, CA 94545July 03, 1973Full Service Brick and Mortar
    61240984Cupertino Branch20541 Stevens Creek Boulevard, Cupertino, CA 95014May 30, 1974Full Service Brick and Mortar
    62240985Oxnard Branch365 E Esplanade Drive, Oxnard, CA 93036October 30, 1974Full Service Brick and Mortar
    63240986Costa Mesa Branch3420 Bristol Street, Costa Mesa, CA 92626January 29, 1975Full Service Brick and Mortar
    64240987South Sacramento Branch7201 South Land Park Drive, Sacramento, CA 95831August 27, 1975Full Service Brick and Mortar
    65240988West Los Angeles Branch11345 West Olympic Boulevard, Los Angeles, CA 90064September 24, 1975Full Service Brick and Mortar
    67197389Fremont Branch39315 Fremont Boulevard, Fremont, CA 94538October 12, 1962Full Service Brick and Mortar
    70197413Millbrae Branch300 Broadway, Millbrae, CA 94030January 10, 1964Full Service Brick and Mortar
    71197431Mountain View Branch700 West El Camino Real, Mountain View, CA 94040December 14, 1966Full Service Brick and Mortar
    72197436Wilshire-San Vicente Branch6500 Wilshire Boulevard, Los Angeles, CA 90048October 17, 1962Full Service Brick and Mortar
    73197437Long Beach Main Branch444 West Ocean Boulevard, Long Beach, CA 90802June 17, 1968Full Service Brick and Mortar
    74197443Encino Branch16130 Ventura Boulevard, Encino, CA 91436October 16, 1970Full Service Brick and Mortar
    76247488Claremont Branch102 North Yale Avenue, Claremont, CA 91711June 01, 1966Full Service Brick and Mortar
    77197444Santa Monica Branch100 Wilshire Boulevard, Santa Monica, CA 90401August 07, 1971Full Service Brick and Mortar
    78197446Wilshire Center Branch3250 Wilshire Boulevard, Los Angeles, CA 90010December 03, 1971Full Service Brick and Mortar
    80240991Hacienda Heights Branch1687 South Azusa Avenue, Hacienda Heights, CA 91745May 03, 1978Full Service Brick and Mortar
    82240993Japan Town Branch1696 Post Street, San Francisco, CA 94115December 27, 1978Full Service Brick and Mortar
    84240995La Palma Branch5471 Orangethorpe Avenue, La Palma, CA 90623August 26, 1981Full Service Brick and Mortar
    85240996Albany Branch1451 Solano Avenue, Albany, CA 94706November 12, 1981Full Service Brick and Mortar
    8614556Huntington Beach Branch16041 Goldenwest Street, Huntington Beach, CA 92647April 30, 1973Full Service Brick and Mortar
    88241003Alhambra Branch230 East Valley Boulevard, Alhambra, CA 91801June 28, 1990Full Service Brick and Mortar
    90241005Brea Branch775 East Birch Street, Brea, CA 92821September 23, 1991Full Service Brick and Mortar
    92241007Arcadia Branch721 West Huntington Drive, Arcadia, CA 91007March 30, 1992Full Service Brick and Mortar
    93251823Los Angeles Metro Office550 South Hope Street, Los Angeles, CA 90071December 01, 1998Full Service Brick and Mortar
    9416963Fresno Main Branch7060 North Fresno Street, Fresno, CA 93720January 01, 1983Full Service Brick and Mortar
    95257301Palm Office5240 North Palm Avenue, Fresno, CA 93704November 11, 1993Full Service Brick and Mortar
    97251824Carmel Valley Branch11752 El Camino Real, San Diego, CA 92130November 22, 1999Full Service Brick and Mortar
    98251825Century City Branch1940 Century Park East, Los Angeles, CA 90067September 20, 1999Full Service Brick and Mortar
    99294951Chula Vista Branch444 Third Avenue, Chula Vista, CA 91910May 01, 2000Full Service Brick and Mortar
    100294977Walnut Creek Branch1277 Treat Boulevard, Walnut Creek, CA 94597January 18, 2000Full Service Brick and Mortar
    101295018Kearny Mesa8252 Clairemont Mesa Blvd, San Diego, CA 92111April 03, 2000Full Service Brick and Mortar
    102357884Irvine Branch1900 Main Street, Irvine, CA 92614June 05, 2000Full Service Brick and Mortar
    105359729Clairemont Mesa Boulevard Branch9775 Clairemont Mesa Boulevard, San Diego, CA 92124March 15, 2001Limited Service Administrative
    10616358Lancaster831 West Lancaster Boulevard, Lancaster, CA 93534Febuary 02, 1981Full Service Brick and Mortar
    107256226Acton Branch31924 Crown Valley Road, Acton, CA 93510May 02, 1983Full Service Brick and Mortar
    108256227Palmdale Branch1667 East Palmdale Boulevard, Palmdale, CA 93550March 02, 1984Full Service Brick and Mortar
    109256228Rosamond Branch2535 Rosamond Boulevard, Rosamond, CA 93560November 05, 1984Full Service Brick and Mortar
    111188287Wrightwood Branch6074 Park Drive, Wrightwood, CA 92397November 09, 1973Full Service Brick and Mortar
    112241168Frazier Park Branch3150 San Carlos Trail, Frazier Park, CA 93225January 02, 1969Full Service Brick and Mortar
    113256234Quartz Hill Branch42024 North 50th Street West, Quartz Hill, CA 93536June 15, 1998Full Service Brick and Mortar
    11414275Tustin Branch17752 East Seventeenth Street, Tustin, CA 92780May 01, 1972Full Service Brick and Mortar
    115251529Laguna Hills Branch24012 Calle De La Plata, #140, Laguna Hills, CA 92653March 26, 1979Full Service Brick and Mortar
    11715871Indio Main Branch81701 Highway 111, Indio, CA 92201October 16, 1978Full Service Brick and Mortar
    118255182Palm Desert Branch73301 Highway 111, Palm Desert, CA 92260October 01, 1980Full Service Brick and Mortar
    120254613Newport/Irvine Branch19200 Von Karman Avenue, Suite 140, Irvine, CA 92612July 26, 1982Full Service Brick and Mortar
    12116817San Clemente Branch115 Via Pico Plaza, San Clemente, CA 92672October 06, 1982Full Service Brick and Mortar
    122256963San Juan Capistrano Branch32221 Camino Capistrano, San Juan Capistrano, CA 92675Febuary 01, 1988Full Service Brick and Mortar
    123256964Monarch Beach Branch24034 Camino Del Avion, Monarch Beach, CA 92629April 02, 1991Full Service Brick and Mortar
    125287519Loan Production Branch1981 North Broadway, Suite 275, Walnut Creek, CA 94596August 31, 1991Limited Service Loan Production
    12916337Encinitas Branch135 Saxony Road, Encinitas, CA 92024December 22, 1980Full Service Brick and Mortar
    130256193Carlsbad Village Branch675 Carlsbad Village Drive, Carlsbad, CA 92008December 15, 1990Full Service Brick and Mortar
    131359782Oakland Branch300 Lakeside Drive, Oakland, CA 94612March 15, 2001Limited Service Administrative
    132363282East Palo Alto Branch1735 East Bayshore Road, East Palo Alto, CA 94303Febuary 25, 2002Full Service Brick and Mortar
    133419940City Heights Branch4305 University Avenue, Ste. 100, San Diego, CA 92105April 01, 2003Full Service Brick and Mortar
    134466010La Mesa Branch5500 Grossmont Center Drive, La Mesa, CA 91942January 02, 2005Full Service Brick and Mortar
    13516199Culver City Branch100 Corporate Pointe, Suite 110, Culver City, CA 90230May 15, 1980Full Service Brick and Mortar
    137432423Woodland Hills Branch21800 Burbank Boulevard, Suite 160, Woodland Hills, CA 91367August 18, 2004Full Service Brick and Mortar
    139466898Brentwood Branch12300 Wilshire Blvd. Suite#100, Los Angeles, CA 90025June 30, 2007Full Service Brick and Mortar
    14016495Rancho Cucamonga Branch9590 Foothill Boulevard, Rancho Cucamonga, CA 91730September 11, 1981Full Service Brick and Mortar
    141256432Chino Branch5455 Riverside Drive, Chino, CA 91710Febuary 01, 1984Full Service Brick and Mortar
    142256433Diamond Bar Branch1200 South Diamond Bar Boulevard, Diamond Bar, CA 91765June 14, 1985Full Service Brick and Mortar
    143197385Crestline Branch23840 Lake Drive, Crestline, CA 92325May 31, 1962Full Service Brick and Mortar
    144256434Lake Arrowhead Branch28200 State Highway 189, Suite K100, Lake Arrowhead, CA 92352August 29, 1988Full Service Brick and Mortar
    145251868La Verne Branch2100 East Foothill Boulevard, La Verne, CA 91750May 20, 1981Full Service Brick and Mortar
    146418875Corona Branch200 South Main Street, Suite 150, Corona, CA 92882April 15, 2003Full Service Brick and Mortar
    14777676Irwindale Branch16008 E Foothill Blvd # 14, Irwindale, CA 91702April 26, 2000Full Service Brick and Mortar
    149440832Corona Pointe Administrative Office1260 Corona Pointe Court, Corona, CA 92879May 23, 2005Limited Service Administrative
    152451194San Rafael Banking Center1016 Irwin Street, San Rafael, CA 94901March 06, 2006Full Service Brick and Mortar
    15316041San Dimas Branch530 West Bonita Avenue, San Dimas, CA 91773August 24, 1979Full Service Brick and Mortar
    154255610Upland Branch2009 West Foothill Boulevard, Upland, CA 91786August 24, 1981Full Service Brick and Mortar
    155255611Walnut Branch20401 East Valley Boulevard, Walnut, CA 91789May 19, 1983Full Service Brick and Mortar
    156361280Covina Branch576 South Grand Avenue, Covina, CA 91724July 23, 2001Full Service Brick and Mortar
    157493407Roseville Branch925 Highland Pointe Drive Ste 100, Roseville, CA 95678December 15, 2008Full Service Brick and Mortar
    158513965Orange Branch500 North State College Blvd., Orange, CA 92868September 13, 2010Full Service Brick and Mortar
    159520797Rancho Santa Fe Branch16912 Via De Santa Fe, Rancho Santa Fe, CA 92067June 13, 2011Full Service Brick and Mortar
    160522174Pasadena Branch155 North Lake, Suite 100, Pasadena, CA 91101August 15, 2011Full Service Brick and Mortar

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