Fullerton Community Bank, FSB in Fullerton, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 2011

  • Fullerton Community Bank, FSB in Fullerton, California (CA)
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Fullerton Community Bank, FSB - Overview

  • General
  • FDIC Certificate #: 28449
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Opus Bank (#33806)
    Federal Reserve ID: 347273
    Date Established: January 01, 1927
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 8 (Interstate: No)
    OTS Docket #: 1618
    FDIC's unique #: 41283
    Numeric code: 37
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: July 09, 1945
    Last Structure Change Effective Date: October 31, 2011
    Last Structure Change Process Date: November 23, 2011
    Last Data Update: November 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 West Commonwealth Avenue, Fullerton, CA 92832
    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)
  • Financial Summary
  • Total assets: $636.3 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, 2010)

  • Dollar figures in thousands
  • 133Total employees (full-time equivalent)
  • $688,176Total assets
  • $99,240Cash and due from depository institutions
  • $96,284Interest-bearing balances
  • $17,633Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $532,941Net loans & leases
  • $9,991Loan loss allowance
  • $0Trading account assets
  • $5,550Bank premises and fixed assets
  • $3,160Other real estate owned
  • $496Goodwill and other intangibles
  • $8,210Life insurance assets
  • $29,156All other assets
  • $688,176Total liabilities and capital
  • $627,419Total liabilities
  • $514,294Total deposits
  • $489,585Interest-bearing deposits
  • $514,294Deposits held in domestic offices
  • 56.41%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $109,865Other borrowed funds
  • $0Subordinated debt
  • $3,260All other liabilities
  • $60,757Total equity capital
  • $60,757Total bank equity capital
  • $60,757Perpetual preferred stock
  • $0Common stock
  • $212Surplus
  • $18,199Undivided profits
  • Memoranda
  • $42,346Noncurrent loans and leases
  • $77,260Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $19,631Earning assets
  • $41Long-term assets (5+ years)
  • $2,262Average Assets, year-to-date
  • $646,858Average Assets, quarterly
  • $0Volatile liabilities
  • $706,946Insider loans
  • $692,331FHLB advances
  • $236,955Loans and leases held for sale
  • $2,351Unused loan commitments
  • $108,900Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $77,260Total unused commitments
  • $12,340Restructured Loans and leases
  • $6,378Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $33,892Total interest income
  • $9,786Total interest expense
  • $24,106Net interest income
  • $5,934Provision for loan and lease losses
  • $2,233Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,233Additional noninterest income
  • $23,165Total noninterest expense
  • $11,921Salaries and employee benefits
  • $3,529Premises and equipment expense
  • $7,715Additional noninterest expense
  • -$2,760Pre-tax net operating income
  • $580Securities gains (losses)
  • -$1,271Applicable income taxes
  • -$909Income before extraordinary items
  • $0Extraordinary gains - net
  • -$909Net income attributable to bank
  • $0Net charge-offs
  • -$909Cash dividends
  • $6,123Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 1.49%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • -0.18%Net operating income to assets
  • -0.13%Return on assets (ROA)
  • -0.31%Pretax return on assets
  • -1.50%Return on equity (ROE)
  • -1.50%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 96.91%Credit loss provision to net charge-offs
  • 0.52%Efficiency ratio
  • 87,748Assets per employee
  • 5.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 50.89%Noncurrent assets plus other real estate owned to assets
  • 3.31%Noncurrent loans to loans
  • 3.62%Net loans and leases to deposits
  • 103.63%Net loans and leases to core deposits
  • 137.64%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 8.68%Tier 1 risk-based capital ratio
  • 11.77%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $706,946Average earning assets
  • $60,555Average equity
  • $658,058Average loans

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