Community Commerce Bank in Claremont, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Commerce Bank - Overview

  • General
  • FDIC Certificate #: 26363
    Status: Active
    Federal Reserve ID: 299868
    Date Established: October 01, 1976
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 14581
    FDIC's unique #: 32928
    Numeric code: 23
    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: September 10, 1985
    Last Structure Change Effective Date: March 12, 2009
    Last Structure Change Process Date: March 12, 2009
    Last Data Update: March 12, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 358 W Foothill Blvd, Claremont, CA 91711
    County: Los Angeles
    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): Los Angeles-Long Beach, CA (#4480)
    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: Los Angeles-Long Beach-Glendale, CA (#31084)
  • Financial Summary
  • Total assets: $313.5 mil
    Equity capital: $40.3 mil
    Deposits held in domestic offices: $245.1 mil
    Return on assets (ROA): 0.80% ($2.5 mil)
    Quarterly return on assets: 0.78% ($2.4 mil)
    Return on Equity (ROE): 6.93% ($2.8 mil)
    Quarterly return on equity: 6.27% ($2.5 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.14% ($3,573.8 mil)
    Quarterly Pretax return on assets: 0.76% ($2,382.5 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
  • 47Total employees (full-time equivalent)
  • $313,489Total assets
  • $42,041Cash and due from depository institutions
  • $39,856Interest-bearing balances
  • $2,058Securities
  • $8,000Federal funds sold & reverse repurchase agreements
  • $220,217Net loans & leases
  • $11,383Loan loss allowance
  • $0Trading account assets
  • $99Bank premises and fixed assets
  • $13,914Other real estate owned
  • $0Goodwill and other intangibles
  • $313,489Life insurance assets
  • $27,160All other assets
  • $273,171Total liabilities and capital
  • $245,115Total liabilities
  • $244,664Total deposits
  • $245,115Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $8,056Subordinated debt
  • $40,318All other liabilities
  • $40,318Total equity capital
  • $40,318Total bank equity capital
  • $0Perpetual preferred stock
  • $1,374Common stock
  • $7,319Surplus
  • $31,625Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,415Income earned, not collected on loans
  • $0Earning assets
  • $1,021Long-term assets (5+ years)
  • $270,131Average Assets, year-to-date
  • $215,440Average Assets, quarterly
  • $338,627Volatile liabilities
  • $321,455Insider loans
  • $260,256FHLB advances
  • $315,976Loans and leases held for sale
  • $14,519Unused loan commitments
  • $10,210Tier 1 (core) risk-based capital
  • $36,123Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,309Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,737Total interest income
  • $5,130Total interest expense
  • $15,607Net interest income
  • $2,625Provision for loan and lease losses
  • $168Total noninterest income
  • $0Fiduciary activities
  • $2Service charges on deposit accounts
  • $0Trading account gains & fees
  • $166Additional noninterest income
  • $9,275Total noninterest expense
  • $4,978Salaries and employee benefits
  • $861Premises and equipment expense
  • $3,436Additional noninterest expense
  • $3,875Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,174Applicable income taxes
  • $2,701Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,701Net income attributable to bank
  • $0Net charge-offs
  • $2,701Cash dividends
  • $1,424Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.97%Yield on earning assets
  • 1.73%Cost of funding earning assets
  • 5.25%Net interest margin
  • 0.06%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 6.93%Return on equity (ROE)
  • 6.93%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 184.34%Credit loss provision to net charge-offs
  • 4.56%Efficiency ratio
  • 58,796Assets per employee
  • 6.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.91%Loss allowance to noncurrent loans
  • 135.27%Noncurrent assets plus other real estate owned to assets
  • 7.12%Noncurrent loans to loans
  • 3.63%Net loans and leases to deposits
  • 89.84%Net loans and leases to core deposits
  • 95.58%Equity capital to assets
  • 12.86%Core capital (leverage) ratio
  • 11.43%Tier 1 risk-based capital ratio
  • 13.88%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $338,627Average earning assets
  • $38,985Average equity
  • $297,337Average loans

List of branches

  • 6 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032928Community Commerce Bank358 W Foothill Blvd, Claremont, CA 91711October 01, 1976Full Service Brick and Mortar
    2259233Tustin Branch17332 Irvine Boulevard, Tustin, CA 92780June 01, 1978Full Service Brick and Mortar
    3259234Woodland Hills Branch20929 Ventura Boulevard, Suite 12, Woodland Hills, CA 91364November 01, 1979Full Service Brick and Mortar
    4259235Oceanside Branch3124 West Vista Way, Suite 101, Oceanside, CA 92054September 01, 1980Full Service Brick and Mortar
    7259238Foothill Boulevard Branch390 West Foothill Boulevard, Claremont, CA 91711April 01, 1985Full Service Brick and Mortar
    9259240Monterey Park Branch2323 S. Atlantic Boulevard, Monterey Park, CA 91754November 15, 1990Full Service Brick and Mortar

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