EH National Bank in Beverly Hills, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


EH National Bank - Overview

  • General
  • FDIC Certificate #: 57734
    Status: Active
    Federal Reserve ID: 3320576
    Date Established: Febuary 01, 2005
    WWW: http://www.bankexcel.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 423248
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 01, 2005
    Last Structure Change Effective Date: October 18, 2011
    Last Structure Change Process Date: November 15, 2011
    Last Data Update: November 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 9701 Wilshire Boulevard, Beverly Hills, CA 90210
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (West)
    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)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $182.7 mil
    Equity capital: $26.0 mil
    Deposits held in domestic offices: $154.0 mil
    Return on assets (ROA): -5.71% (-$10.4 mil)
    Quarterly return on assets: -2.53% (-$4.6 mil)
    Return on Equity (ROE): -48.91% (-$12.7 mil)
    Quarterly return on equity: -17.55% (-$4.6 mil)
    Net income: -$10.7 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: -5.75% (-$10,504.0 mil)
    Quarterly Pretax return on assets: -2.57% (-$4,694.9 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
  • 43Total employees (full-time equivalent)
  • $182,679Total assets
  • $16,756Cash and due from depository institutions
  • $16,098Interest-bearing balances
  • $6,022Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $135,405Net loans & leases
  • $9,602Loan loss allowance
  • $0Trading account assets
  • $449Bank premises and fixed assets
  • $824Other real estate owned
  • $8,007Goodwill and other intangibles
  • $182,679Life insurance assets
  • $15,216All other assets
  • $156,683Total liabilities and capital
  • $154,013Total liabilities
  • $146,275Total deposits
  • $154,013Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,670Subordinated debt
  • $25,996All other liabilities
  • $25,996Total equity capital
  • $25,996Total bank equity capital
  • $0Perpetual preferred stock
  • $23,466Common stock
  • $21,115Surplus
  • $-18,585Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $13,469Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $34,004Income earned, not collected on loans
  • $34,004Earning assets
  • $391Long-term assets (5+ years)
  • $157,525Average Assets, year-to-date
  • $23,540Average Assets, quarterly
  • $188,053Volatile liabilities
  • $185,127Insider loans
  • $152,298FHLB advances
  • $185,004Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,485Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,672Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,171Total interest income
  • $1,827Total interest expense
  • $7,344Net interest income
  • $9,614Provision for loan and lease losses
  • $3,630Total noninterest income
  • $0Fiduciary activities
  • $6Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,624Additional noninterest income
  • $12,182Total noninterest expense
  • $4,289Salaries and employee benefits
  • $1,245Premises and equipment expense
  • $6,648Additional noninterest expense
  • -$10,822Pre-tax net operating income
  • $0Securities gains (losses)
  • -$88Applicable income taxes
  • -$10,734Income before extraordinary items
  • $0Extraordinary gains - net
  • -$10,734Net income attributable to bank
  • $0Net charge-offs
  • -$10,734Cash dividends
  • $6,972Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 4.49%Net interest margin
  • 2.22%Noninterest income to earning assets
  • 7.44%Noninterest expense to earning assets
  • -5.71%Net operating income to assets
  • -5.71%Return on assets (ROA)
  • -5.75%Pretax return on assets
  • -48.91%Return on equity (ROE)
  • -48.91%Retained earnings to average equity (YTD only)
  • 4.58%Net charge-offs to loans
  • 137.89%Credit loss provision to net charge-offs
  • -0.17%Efficiency ratio
  • 111,008Assets per employee
  • 4.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.62%Loss allowance to noncurrent loans
  • 28.24%Noncurrent assets plus other real estate owned to assets
  • 19.07%Noncurrent loans to loans
  • 23.45%Net loans and leases to deposits
  • 87.92%Net loans and leases to core deposits
  • 90.33%Equity capital to assets
  • 14.23%Core capital (leverage) ratio
  • 12.15%Tier 1 risk-based capital ratio
  • 14.76%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $188,053Average earning assets
  • $21,946Average equity
  • $163,631Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0423248Eh National Bank9701 Wilshire Boulevard, Beverly Hills, CA 90210Febuary 01, 2005Full Service Brick and Mortar

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