Commercial Bank of California in Costa Mesa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Commercial Bank of California in Costa Mesa, California (CA)
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Commercial Bank of California - Overview

  • General
  • FDIC Certificate #: 57417
    Status: Active
    Federal Reserve ID: 3189063
    Date Established: May 15, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 363419
    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: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 15, 2003
    Last Structure Change Effective Date: May 27, 2010
    Last Structure Change Process Date: May 27, 2010
    Last Data Update: May 27, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 695 Town Center Drive, Suite 100, Costa Mesa, CA 92626
    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)
  • Financial Summary
  • Total assets: $262.4 mil
    Equity capital: $32.5 mil
    Deposits held in domestic offices: $218.8 mil
    Return on assets (ROA): -0.24% (-$0.6 mil)
    Quarterly return on assets: -1.34% (-$3.5 mil)
    Return on Equity (ROE): -1.96% (-$0.6 mil)
    Quarterly return on equity: -10.79% (-$3.5 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.9 mil
    Pretax return on assets: -0.47% (-$1,233.3 mil)
    Quarterly Pretax return on assets: -2.53% (-$6,638.6 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
  • 25Total employees (full-time equivalent)
  • $262,395Total assets
  • $85,614Cash and due from depository institutions
  • $80,286Interest-bearing balances
  • $24,060Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $135,812Net loans & leases
  • $4,482Loan loss allowance
  • $0Trading account assets
  • $248Bank premises and fixed assets
  • $10,520Other real estate owned
  • $0Goodwill and other intangibles
  • $262,395Life insurance assets
  • $6,141All other assets
  • $229,900Total liabilities and capital
  • $218,760Total liabilities
  • $192,342Total deposits
  • $218,760Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,000Trading liabilities
  • $0Other borrowed funds
  • $140Subordinated debt
  • $32,495All other liabilities
  • $32,495Total equity capital
  • $32,495Total bank equity capital
  • $0Perpetual preferred stock
  • $30,265Common stock
  • $30Surplus
  • $2,200Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,442Income earned, not collected on loans
  • $0Earning assets
  • $668Long-term assets (5+ years)
  • $240,158Average Assets, year-to-date
  • $18,279Average Assets, quarterly
  • $271,546Volatile liabilities
  • $266,354Insider loans
  • $204,365FHLB advances
  • $268,941Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,333Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $52,036Restructured Loans and leases
  • $6,472Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,431Total interest income
  • $2,408Total interest expense
  • $7,023Net interest income
  • $2,332Provision for loan and lease losses
  • $719Total noninterest income
  • $0Fiduciary activities
  • $461Service charges on deposit accounts
  • $0Trading account gains & fees
  • $258Additional noninterest income
  • $6,675Total noninterest expense
  • $2,463Salaries and employee benefits
  • $893Premises and equipment expense
  • $3,319Additional noninterest expense
  • -$1,265Pre-tax net operating income
  • $0Securities gains (losses)
  • -$617Applicable income taxes
  • -$648Income before extraordinary items
  • $0Extraordinary gains - net
  • -$648Net income attributable to bank
  • $0Net charge-offs
  • -$648Cash dividends
  • $2,704Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.78%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 2.81%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • -0.24%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.47%Pretax return on assets
  • -1.96%Return on equity (ROE)
  • -1.96%Retained earnings to average equity (YTD only)
  • 2.01%Net charge-offs to loans
  • 86.24%Credit loss provision to net charge-offs
  • 0.39%Efficiency ratio
  • 86,218Assets per employee
  • 10.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.19%Loss allowance to noncurrent loans
  • 42.92%Noncurrent assets plus other real estate owned to assets
  • 7.99%Noncurrent loans to loans
  • 7.44%Net loans and leases to deposits
  • 62.08%Net loans and leases to core deposits
  • 74.40%Equity capital to assets
  • 12.38%Core capital (leverage) ratio
  • 11.65%Tier 1 risk-based capital ratio
  • 15.33%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $271,546Average earning assets
  • $33,027Average equity
  • $249,826Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363419Commercial Bank Of California695 Town Center Drive, Suite 100, Costa Mesa, CA 92626May 15, 2003Full Service Brick and Mortar
    1471096Brea BranchOne Pointe Drive, Suite 100, Brea, CA 92821Febuary 11, 2008Full Service Brick and Mortar

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