Capital Bank and Trust Company in Irvine, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Capital Bank and Trust Company in Irvine, California (CA)
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Capital Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 35164
    Status: Active
    Federal Reserve ID: 2921659
    Date Established: July 01, 2000
    WWW: http://www.americanfunds.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15674
    FDIC's unique #: 75636
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: July 01, 2000
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 6455 Irvine Center Drive, Irvine, CA 92618
    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)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $172.6 mil
    Equity capital: $61.3 mil
    Deposits held in domestic offices: $50.5 mil
    Return on assets (ROA): 8.93% ($15.4 mil)
    Quarterly return on assets: 6.86% ($11.9 mil)
    Return on Equity (ROE): 16.35% ($10.0 mil)
    Quarterly return on equity: 15.23% ($9.3 mil)
    Net income: $13.5 mil
    Quarterly Net income: $3.0 mil
    Pretax return on assets: 14.52% ($25,059.1 mil)
    Quarterly Pretax return on assets: 11.28% ($19,467.4 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
  • 411Total employees (full-time equivalent)
  • $172,583Total assets
  • $45Cash and due from depository institutions
  • $0Interest-bearing balances
  • $143,585Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $20,684Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $172,583Life insurance assets
  • $8,269All other assets
  • $111,291Total liabilities and capital
  • $50,500Total liabilities
  • $50,500Total deposits
  • $50,500Interest-bearing deposits
  • $1Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $60,791Subordinated debt
  • $61,292All other liabilities
  • $61,292Total equity capital
  • $61,292Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $5,000Surplus
  • $51,292Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $606Long-term assets (5+ years)
  • $143,585Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $151,035Volatile liabilities
  • $172,586Insider loans
  • $35,764FHLB advances
  • $164,770Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $57,271Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,114Total interest income
  • $231Total interest expense
  • $3,883Net interest income
  • $0Provision for loan and lease losses
  • $137,345Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137,345Additional noninterest income
  • $119,120Total noninterest expense
  • $36,284Salaries and employee benefits
  • $16,524Premises and equipment expense
  • $66,312Additional noninterest expense
  • $22,108Pre-tax net operating income
  • -$179Securities gains (losses)
  • $8,443Applicable income taxes
  • $13,486Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,486Net income attributable to bank
  • $0Net charge-offs
  • $13,486Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $36,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.40%Yield on earning assets
  • 0.19%Cost of funding earning assets
  • 3.21%Net interest margin
  • 113.54%Noninterest income to earning assets
  • 98.48%Noninterest expense to earning assets
  • 9.00%Net operating income to assets
  • 8.93%Return on assets (ROA)
  • 14.52%Pretax return on assets
  • 16.35%Return on equity (ROE)
  • -27.30%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 84,346Assets per employee
  • 0.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 266.94%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.00%Net loans and leases to core deposits
  • 0.00%Equity capital to assets
  • 35.51%Core capital (leverage) ratio
  • 34.76%Tier 1 risk-based capital ratio
  • 160.14%Total risk-based capital ratio
  • Memoranda
  • $162Average assets
  • $151,035Average earning assets
  • $82,481Average equity
  • $120,963Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $12,275,930Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee 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
  • 6138Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $12,275,930Other retirement accounts
  • $0Corporate trust and agency accounts
  • $12,218,981Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    075636Capital Bank And Trust Company6455 Irvine Center Drive, Irvine, CA 92618July 01, 2000Full Service Brick and Mortar

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