First Commercial Bank (USA) in Alhambra, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Commercial Bank (USA) in Alhambra, California (CA)
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First Commercial Bank (USA) - Overview

  • General
  • FDIC Certificate #: 34496
    Status: Active
    Federal Reserve ID: 2332910
    Bank Holding Company (Regulatory Top Holder): First Financial Holding Co., Ltd. (RSSDID: 3086210, Location: Taipei)
    Date Established: May 20, 1997
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 57687
    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 20, 1997
    Last Structure Change Effective Date: Febuary 10, 2012
    Last Structure Change Process Date: Febuary 10, 2012
    Last Data Update: Febuary 10, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 East Main Street, Alhambra, CA 91801
    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: $486.3 mil
    Equity capital: $95.2 mil
    Deposits held in domestic offices: $389.6 mil
    Return on assets (ROA): 0.80% ($3.9 mil)
    Quarterly return on assets: 0.94% ($4.6 mil)
    Return on Equity (ROE): 4.04% ($3.8 mil)
    Quarterly return on equity: 4.81% ($4.6 mil)
    Net income: $3.8 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.37% ($6,662.9 mil)
    Quarterly Pretax return on assets: 1.60% ($7,781.5 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
  • 76Total employees (full-time equivalent)
  • $486,346Total assets
  • $8,981Cash and due from depository institutions
  • $2,008Interest-bearing balances
  • $25,305Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $433,278Net loans & leases
  • $9,760Loan loss allowance
  • $0Trading account assets
  • $875Bank premises and fixed assets
  • $1,366Other real estate owned
  • $0Goodwill and other intangibles
  • $486,346Life insurance assets
  • $11,541All other assets
  • $391,132Total liabilities and capital
  • $389,553Total liabilities
  • $354,023Total deposits
  • $389,553Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,579Subordinated debt
  • $95,214All other liabilities
  • $95,214Total equity capital
  • $95,214Total bank equity capital
  • $0Perpetual preferred stock
  • $70,000Common stock
  • $0Surplus
  • $25,214Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,981Income earned, not collected on loans
  • $0Earning assets
  • $1,317Long-term assets (5+ years)
  • $465,591Average Assets, year-to-date
  • $4,184Average Assets, quarterly
  • $474,059Volatile liabilities
  • $485,219Insider loans
  • $390,145FHLB advances
  • $485,293Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $89,874Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,371Restructured Loans and leases
  • $0Derivatives
  • $3,076Total assets and liabilities in foreign offices

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,859Total interest income
  • $3,254Total interest expense
  • $15,605Net interest income
  • $1,591Provision for loan and lease losses
  • $632Total noninterest income
  • $0Fiduciary activities
  • $233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $399Additional noninterest income
  • $8,176Total noninterest expense
  • $4,505Salaries and employee benefits
  • $1,617Premises and equipment expense
  • $2,054Additional noninterest expense
  • $6,470Pre-tax net operating income
  • $5Securities gains (losses)
  • $2,695Applicable income taxes
  • $3,780Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,780Net income attributable to bank
  • $0Net charge-offs
  • $3,780Cash dividends
  • $771Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.13%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 1.79%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 4.04%Return on equity (ROE)
  • 4.04%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 206.36%Credit loss provision to net charge-offs
  • 10.46%Efficiency ratio
  • 50,354Assets per employee
  • 6.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.20%Loss allowance to noncurrent loans
  • 139.81%Noncurrent assets plus other real estate owned to assets
  • 1.94%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 111.22%Net loans and leases to core deposits
  • 153.96%Equity capital to assets
  • 19.58%Core capital (leverage) ratio
  • 18.52%Tier 1 risk-based capital ratio
  • 23.04%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $474,059Average earning assets
  • $93,452Average equity
  • $456,125Average loans

List of branches

  • 7 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057687First Commercial Bank (Usa)200 East Main Street, Alhambra, CA 91801May 20, 1997Full Service Brick and Mortar
    1290666City Of Industry Branch18725 East Gale Avenue, Suite 150, City Of Industry, CA 91748April 15, 1998Full Service Brick and Mortar
    2294973Silicon Valley Branch1141 S. De Anza Boulevard, San Jose, CA 95129April 18, 2000Full Service Brick and Mortar
    3362538Irvine Branch4250 Barranca Parkway, Suite E, Irvine, CA 92604August 08, 2001Full Service Brick and Mortar
    4442601Arcadia Branch1309 S Baldwin Ave, Arcadia, CA 91007January 27, 2005Full Service Brick and Mortar
    5469646Artesia Branch17808 Pioneer Boulevard, Unit 108, Artesia, CA 90701December 05, 2007Full Service Brick and Mortar
    6493011Fremont Branch46691 Mission Boulevard, Suite 230, Fremont, CA 94539Febuary 18, 2009Full Service Brick and Mortar

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