International City Bank, National Association in Long Beach, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

International City Bank, National Association - Overview

  • General
  • FDIC Certificate #: 25648
    Status: Active
    Federal Reserve ID: 780562
    Bank Holding Company (Regulatory Top Holder): Pedcor Capital, Llc (RSSDID: 3444847, Location: Carmel, IN)
    Date Established: September 06, 1984
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 17553
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 06, 1984
    Last Structure Change Effective Date: June 30, 2009
    Last Structure Change Process Date: October 01, 2010
    Last Data Update: October 01, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 249 E Ocean Boulevard, Long Beach, CA 90802
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Los Angeles (West)
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $161.5 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $114.8 mil
    Return on assets (ROA): -0.53% (-$0.9 mil)
    Quarterly return on assets: -1.95% (-$3.2 mil)
    Return on Equity (ROE): -4.47% (-$0.8 mil)
    Quarterly return on equity: -16.49% (-$3.1 mil)
    Net income: -$0.9 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -1.02% (-$1,647.5 mil)
    Quarterly Pretax return on assets: -3.37% (-$5,443.1 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
  • 113Total employees (full-time equivalent)
  • $161,516Total assets
  • $17,024Cash and due from depository institutions
  • $15,359Interest-bearing balances
  • $35,959Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,229Net loans & leases
  • $2,279Loan loss allowance
  • $0Trading account assets
  • $3,918Bank premises and fixed assets
  • $4,310Other real estate owned
  • $0Goodwill and other intangibles
  • $161,515Life insurance assets
  • $36,076All other assets
  • $141,517Total liabilities and capital
  • $114,837Total liabilities
  • $86,326Total deposits
  • $114,837Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $24,400Trading liabilities
  • $0Other borrowed funds
  • $2,280Subordinated debt
  • $19,998All other liabilities
  • $19,083Total equity capital
  • $19,083Total bank equity capital
  • $0Perpetual preferred stock
  • $2,287Common stock
  • $11,599Surplus
  • $5,197Undivided profits
  • Memoranda
  • $915Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,303Income earned, not collected on loans
  • $2,676Earning assets
  • $447Long-term assets (5+ years)
  • $115,547Average Assets, year-to-date
  • $42,001Average Assets, quarterly
  • $169,850Volatile liabilities
  • $165,082Insider loans
  • $104,608FHLB advances
  • $163,402Loans and leases held for sale
  • $5,422Unused loan commitments
  • $5,422Tier 1 (core) risk-based capital
  • $19,376Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,578Restructured Loans and leases
  • $5,170Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,199Total interest income
  • $1,173Total interest expense
  • $5,026Net interest income
  • $290Provision for loan and lease losses
  • $3,347Total noninterest income
  • $0Fiduciary activities
  • $232Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,115Additional noninterest income
  • $10,050Total noninterest expense
  • $3,897Salaries and employee benefits
  • $1,243Premises and equipment expense
  • $4,910Additional noninterest expense
  • -$1,967Pre-tax net operating income
  • $0Securities gains (losses)
  • -$833Applicable income taxes
  • -$1,134Income before extraordinary items
  • $0Extraordinary gains - net
  • -$899Net income attributable to bank
  • -$235Net charge-offs
  • -$1,134Cash dividends
  • $633Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.11%Net interest margin
  • 2.74%Noninterest income to earning assets
  • 8.22%Noninterest expense to earning assets
  • -0.67%Net operating income to assets
  • -0.53%Return on assets (ROA)
  • -1.02%Pretax return on assets
  • -4.47%Return on equity (ROE)
  • -4.47%Retained earnings to average equity (YTD only)
  • 0.94%Net charge-offs to loans
  • 45.81%Credit loss provision to net charge-offs
  • -2.65%Efficiency ratio
  • 120,029Assets per employee
  • 1.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.43%Loss allowance to noncurrent loans
  • 42.98%Noncurrent assets plus other real estate owned to assets
  • 5.95%Noncurrent loans to loans
  • 7.97%Net loans and leases to deposits
  • 55.93%Net loans and leases to core deposits
  • 60.38%Equity capital to assets
  • 11.81%Core capital (leverage) ratio
  • 11.86%Tier 1 risk-based capital ratio
  • 18.52%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $169,850Average earning assets
  • $20,091Average equity
  • $122,302Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017553International City Bank, National Association249 E Ocean Boulevard, Long Beach, CA 90802September 06, 1984Full Service Brick and Mortar
    244878Unversity City Office3939 Governor Drive, San Diego, CA 92122January 01, 1979Full Service Brick and Mortar
    3465583Irvine Office Branch9100 Irvine Center Drive, Irvine, CA 92618June 11, 2007Full Service Brick and Mortar

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