First American Trust, FSB in Santa Ana, California (CA), AZ, FL, NM, TX
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First American Trust, FSB in Santa Ana, California (CA), AZ, FL, NM, TX
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First American Trust, FSB - Overview

  • General
  • FDIC Certificate #: 26312
    Status: Active
    Federal Reserve ID: 1883321
    Date Established: July 30, 1985
    WWW: http://www.firstamtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 15660
    FDIC's unique #: 32751
    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 30, 1985
    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: 5 First American Way, 3rd Floor, Santa Ana, CA 92707
    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: $1,200.6 mil
    Equity capital: $118.0 mil
    Deposits held in domestic offices: $1,059.3 mil
    Return on assets (ROA): 0.67% ($8.0 mil)
    Quarterly return on assets: 0.56% ($6.7 mil)
    Return on Equity (ROE): 8.21% ($9.7 mil)
    Quarterly return on equity: 6.38% ($7.5 mil)
    Net income: $8.3 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 1.07% ($12,846.4 mil)
    Quarterly Pretax return on assets: 0.86% ($10,325.1 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
  • 98Total employees (full-time equivalent)
  • $1,200,596Total assets
  • $30,967Cash and due from depository institutions
  • $4,570Interest-bearing balances
  • $1,128,472Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $0Loan loss allowance
  • $0Trading account assets
  • $1,298Bank premises and fixed assets
  • $0Other real estate owned
  • $202Goodwill and other intangibles
  • $1,200,596Life insurance assets
  • $39,657All other assets
  • $1,082,624Total liabilities and capital
  • $1,059,298Total liabilities
  • $975,676Total deposits
  • $1,059,298Interest-bearing deposits
  • $25Deposits held in domestic offices
  • 21000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,326Subordinated debt
  • $117,972All other liabilities
  • $117,972Total equity capital
  • $117,972Total bank equity capital
  • $10,000Perpetual preferred stock
  • $280Common stock
  • $46,466Surplus
  • $61,226Undivided 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
  • $3,065Long-term assets (5+ years)
  • $1,133,042Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,245,947Volatile liabilities
  • $1,272,506Insider loans
  • $277,701FHLB advances
  • $1,201,466Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $118,964Tier 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
  • $18,959Total interest income
  • $2,779Total interest expense
  • $16,180Net interest income
  • $0Provision for loan and lease losses
  • $25,293Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25,293Additional noninterest income
  • $20,856Total noninterest expense
  • $10,961Salaries and employee benefits
  • $3,854Premises and equipment expense
  • $6,040Additional noninterest expense
  • $20,618Pre-tax net operating income
  • -$7,323Securities gains (losses)
  • $4,995Applicable income taxes
  • $8,300Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,300Net income attributable to bank
  • $0Net charge-offs
  • $8,300Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 1.61%Yield on earning assets
  • 0.24%Cost of funding earning assets
  • 1.37%Net interest margin
  • 2.14%Noninterest income to earning assets
  • 1.77%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 8.21%Return on equity (ROE)
  • 7.32%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
  • 49,652Assets per employee
  • 12.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.84%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
  • 9.83%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 42.84%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $1,245,947Average earning assets
  • $101,137Average equity
  • $1,180,249Average 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
  • $2,721,711Managed Assets
  • 1Number of Accounts
  • $1,494,628Personal trust and agency accounts
  • $677,264Employee benefit-defined contribution accounts
  • $18,730Employee benefit-defined benefit accounts
  • $273,019Other retirement accounts
  • $86,908Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $438,707Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1446Number of Accounts
  • $0Personal trust and agency accounts
  • $77,895Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,227,083Other retirement accounts
  • $1,197,724Corporate trust and agency accounts
  • $9,114Other fiduciary accounts
  • $10,791Fiduciary accounts held in foreign offices

List of branches

  • 1 Arizona Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    8521886Arizona Branch9000 E. Pima Center Pwky, Scottsdale, AZ 85256July 01, 2010Full Service Brick and Mortar
  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032751First American Trust, Fsb5 First American Way, 3rd Floor, Santa Ana, CA 92707July 30, 1985Full Service Brick and Mortar
  • 1 Florida Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    9521887Florida Branch2750 Chancellorsville Dr, Tallahassee, FL 32312July 01, 2010Full Service Brick and Mortar
  • 1 New Mexico Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    10521888New Mexico Branch9400 Holly Avenue Ne, Albuquerque, NM 87122July 01, 2010Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    11521889Texas Branch1500 S. Dairy Ashford St, Ste 300, Houston, TX 77077July 01, 2010Full Service Brick and Mortar
  • 1 Utah Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    12521890Utah Branch560 South 300 East, Salt Lake City, UT 84111July 01, 2010Full Service Brick and Mortar

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