Home Bank of California in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Home Bank of California - Overview

  • General
  • FDIC Certificate #: 26271
    Status: Active
    Federal Reserve ID: 118660
    Bank Holding Company (Regulatory Top Holder): La Jolla Pacific Bancorp (RSSDID: 3680962, Location: San Diego, CA)
    Date Established: October 31, 1981
    WWW: http://www.homebankofcalifornia.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15532
    FDIC's unique #: 32632
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 03, 1985
    Last Structure Change Effective Date: July 02, 2009
    Last Structure Change Process Date: July 02, 2009
    Last Data Update: July 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 875 Garnet Avenue, San Diego, CA 92109
    County: San Diego
    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): San Diego, CA (#7320)
    Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740)
    CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
  • Financial Summary
  • Total assets: $128.1 mil
    Equity capital: $19.5 mil
    Deposits held in domestic offices: $81.2 mil
    Return on assets (ROA): 2.06% ($2.6 mil)
    Quarterly return on assets: 2.28% ($2.9 mil)
    Return on Equity (ROE): 15.28% ($2.9 mil)
    Quarterly return on equity: 15.42% ($2.9 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.09% ($2,677.3 mil)
    Quarterly Pretax return on assets: 2.32% ($2,971.9 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
  • 18Total employees (full-time equivalent)
  • $128,100Total assets
  • $14,516Cash and due from depository institutions
  • $13,597Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $107,812Net loans & leases
  • $1,548Loan loss allowance
  • $0Trading account assets
  • $97Bank premises and fixed assets
  • $3,167Other real estate owned
  • $0Goodwill and other intangibles
  • $128,100Life insurance assets
  • $2,508All other assets
  • $108,607Total liabilities and capital
  • $81,236Total liabilities
  • $80,143Total deposits
  • $81,236Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,000Trading liabilities
  • $0Other borrowed funds
  • $2,371Subordinated debt
  • $19,493All other liabilities
  • $19,493Total equity capital
  • $19,493Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $550Surplus
  • $18,143Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,451Income earned, not collected on loans
  • $0Earning assets
  • $582Long-term assets (5+ years)
  • $121,409Average Assets, year-to-date
  • $4,045Average Assets, quarterly
  • $136,743Volatile liabilities
  • $129,866Insider loans
  • $100,950FHLB advances
  • $130,744Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,493Tier 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
  • $9,256Total interest income
  • $2,996Total interest expense
  • $6,260Net interest income
  • $396Provision for loan and lease losses
  • $410Total noninterest income
  • $0Fiduciary activities
  • $18Service charges on deposit accounts
  • $0Trading account gains & fees
  • $392Additional noninterest income
  • $3,414Total noninterest expense
  • $1,793Salaries and employee benefits
  • $422Premises and equipment expense
  • $1,199Additional noninterest expense
  • $2,860Pre-tax net operating income
  • $0Securities gains (losses)
  • $39Applicable income taxes
  • $2,821Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,821Net income attributable to bank
  • $0Net charge-offs
  • $2,821Cash dividends
  • $954Sale, conversion, retirement of capital stock, net
  • $730Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.13%Yield on earning assets
  • 2.31%Cost of funding earning assets
  • 4.82%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 2.06%Net operating income to assets
  • 2.06%Return on assets (ROA)
  • 2.09%Pretax return on assets
  • 15.28%Return on equity (ROE)
  • 11.33%Retained earnings to average equity (YTD only)
  • 0.81%Net charge-offs to loans
  • 41.51%Credit loss provision to net charge-offs
  • 3.41%Efficiency ratio
  • 51,184Assets per employee
  • 7.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.88%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 34.78%Noncurrent assets plus other real estate owned to assets
  • 5.95%Noncurrent loans to loans
  • 4.07%Net loans and leases to deposits
  • 132.71%Net loans and leases to core deposits
  • 136.33%Equity capital to assets
  • 15.22%Core capital (leverage) ratio
  • 14.91%Tier 1 risk-based capital ratio
  • 19.31%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $136,743Average earning assets
  • $18,460Average equity
  • $129,835Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032632Home Bank Of California875 Garnet Avenue, San Diego, CA 92109October 31, 1981Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Home Bank of California.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents