Commercial Capital Bank, FSB in Irvine, California (CA)

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Commercial Capital Bank, FSB
GeneralFDIC Certificate #: 32316
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Washington Mutual Bank (#32633)
Federal Reserve ID: 215372
Date Established: May 02, 1985
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 8134
FDIC's unique #: 45150
Numeric code: 37
Regulator: OTS
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: May 02, 1985
Last Structure Change Effective Date: October 01, 2006
Last Structure Change Process Date: October 13, 2006
Last Data Update: October 13, 2006
Data Source Date: April 05, 2012
LocationAddress: 8105 Irvine Center Drive, Suite 1500, 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)
Financial SummaryTotal assets: $5,671.0 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, 2005)
(Dollar figures in thousands)
Total employees (full-time equivalent)436
Total assets$5,397,227
Cash and due from depository institutions$32,843
Interest-bearing balances$3,087
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$4,334,154
Loan loss allowance $28,705
Trading account assets$0
Bank premises and fixed assets$10,068
Other real estate owned$0
Goodwill and other intangibles$360,841
All other assets$276,679
Life insurance assets$107,146
Total liabilities and capital$5,397,227
Total liabilities$4,603,438
Total deposits$2,887,867
Interest-bearing deposits$2,701,245
Deposits held in domestic offices$2,887,867
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $72,000
Trading liabilities$0
Other borrowed funds $1,597,806
Subordinated debt $0
All other liabilities $45,765
Total equity capital$793,789
Total bank equity capital$793,789
Perpetual preferred stock$793,789
Common stock$0
Undivided profits $634,287
Noncurrent loans and leases $149,376
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $350,474
Income earned, not collected on loans $0
Earning assets $7,788
Long-term assets (5+ years) $0
Average Assets, year-to-date $20,923
Average Assets, quarterly $4,719,883
Volatile liabilities $0
Insider loans $5,197,139
FHLB advances $5,285,921
Loans and leases held for sale $3,709,977
Unused loan commitments $0
Tier 1 (core) risk-based capital $1,597,806
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $350,474
Restructured Loans and leases $388
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Income and Expense (December 31, 2005)
(Dollar figures in thousands)
Total interest income $260,417
Total interest expense $102,091
Net interest income $158,326
Provision for loan and lease losses -$8,109
Total noninterest income $13,436
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $13,436
Total noninterest expense $56,110
Salaries and employee benefits $26,167
Premises and equipment expense $10,618
Additional noninterest expense $19,325
Pre-tax net operating income $123,761
Securities gains (losses) $5,418
Applicable income taxes $47,332
Income before extraordinary items $81,847
Extraordinary gains - net $0
Net income attributable to bank $81,847
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $8
Net operating income $12,333
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Performance and Condition Ratios (December 31, 2005)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.72%
Cost of funding earning assets 2.24%
Net interest margin 3.48%
Noninterest income to earning assets 0.30%
Noninterest expense to earning assets 1.23%
Net operating income to assets 1.51%
Return on assets (ROA) 1.57%
Pretax return on assets 2.49%
Return on equity (ROE) 10.69%
Retained earnings to average equity (YTD only) 9.08%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs -101362.50%
Efficiency ratio14456.50%
Assets per employee$32,288
Cash dividends to net income (YTD only)12.38%
Condition Ratios (%)
Loss allowance to loans 15.07%
Loss allowance to noncurrent loans 0.66%
Noncurrent assets plus other real estate owned to assets 368.58%
Noncurrent loans to loans 0.14%
Net loans and leases to deposits0.18%
Net loans and leases to core deposits 150.08%
Equity capital to assets 511.29%
Core capital (leverage) ratio 14.71%
Tier 1 risk-based capital ratio 8.75%
Total risk-based capital ratio 11.72%
Average assets$12
Average earning assets$5,197,139
Average equity $765,625
Average loans $4,552,644
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Total Fiduciary and Related Assets (December 31, 2003)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$13,477
Number of Accounts1
Personal trust and agency accounts$9,101
Employee benefit-defined contribution accounts$4,595
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$4,506
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts21
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$4,376
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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