First Security Business Bank in Orange, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Business Bank - Overview

  • General
  • FDIC Certificate #: 27539
    Status: Active
    Federal Reserve ID: 1401903
    Date Established: March 31, 1988
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 40314
    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: June 28, 1989
    Last Structure Change Effective Date: January 23, 2009
    Last Structure Change Process Date: March 20, 2009
    Last Data Update: March 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 803 East Katella Avenue, Orange, CA 92867
    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
  • Name Change
  • Financial Summary
  • Total assets: $155.1 mil
    Equity capital: $27.3 mil
    Deposits held in domestic offices: $100.6 mil
    Return on assets (ROA): 1.30% ($2.0 mil)
    Quarterly return on assets: 1.44% ($2.2 mil)
    Return on Equity (ROE): 14.21% ($3.8 mil)
    Quarterly return on equity: 8.09% ($2.2 mil)
    Net income: $5.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.25% ($3,490.6 mil)
    Quarterly Pretax return on assets: 2.49% ($3,862.9 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
  • 7Total employees (full-time equivalent)
  • $155,138Total assets
  • $8,479Cash and due from depository institutions
  • $7,662Interest-bearing balances
  • $0Securities
  • $2,051Federal funds sold & reverse repurchase agreements
  • $139,191Net loans & leases
  • $4,171Loan loss allowance
  • $0Trading account assets
  • $33Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $155,138Life insurance assets
  • $5,384All other assets
  • $127,883Total liabilities and capital
  • $100,645Total liabilities
  • $100,645Total deposits
  • $100,645Interest-bearing deposits
  • $65Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $26,000Trading liabilities
  • $0Other borrowed funds
  • $1,238Subordinated debt
  • $27,255All other liabilities
  • $27,255Total equity capital
  • $27,255Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $500Surplus
  • $26,005Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,910Income earned, not collected on loans
  • $0Earning assets
  • $630Long-term assets (5+ years)
  • $148,904Average Assets, year-to-date
  • $108,469Average Assets, quarterly
  • $398,426Volatile liabilities
  • $193,967Insider loans
  • $142,468FHLB advances
  • $177,131Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,255Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $471Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,227Total interest income
  • $2,710Total interest expense
  • $10,517Net interest income
  • $900Provision for loan and lease losses
  • $1Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1Additional noninterest income
  • $3,183Total noninterest expense
  • $1,746Salaries and employee benefits
  • $117Premises and equipment expense
  • $1,320Additional noninterest expense
  • $6,435Pre-tax net operating income
  • $2,516Securities gains (losses)
  • $3,764Applicable income taxes
  • $5,187Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,187Net income attributable to bank
  • $0Net charge-offs
  • $5,187Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $15,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.38%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 2.69%Net interest margin
  • 0.00%Noninterest income to earning assets
  • 0.81%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 2.25%Pretax return on assets
  • 14.21%Return on equity (ROE)
  • -26.88%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
  • 30,262Assets per employee
  • 22.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 289.18%Loss allowance to loans
  • 2.91%Loss allowance to noncurrent loans
  • 84.95%Noncurrent assets plus other real estate owned to assets
  • 3.16%Noncurrent loans to loans
  • 3.42%Net loans and leases to deposits
  • 138.30%Net loans and leases to core deposits
  • 141.19%Equity capital to assets
  • 17.57%Core capital (leverage) ratio
  • 15.39%Tier 1 risk-based capital ratio
  • 19.13%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $398,426Average earning assets
  • $36,503Average equity
  • $391,659Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040314First Security Business Bank803 East Katella Avenue, Orange, CA 92867March 31, 1988Full Service Brick and Mortar

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