One PacificCoast Bank, FSB in Oakland, California (CA), WA
Overview, Financial Summary, Detailed Financial Reports, Branches

  • One PacificCoast Bank, FSB in Oakland, California (CA), WA
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One PacificCoast Bank, FSB - Overview

  • General
  • FDIC Certificate #: 58490
    Status: Active
    Federal Reserve ID: 3608751
    Date Established: June 27, 2007
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: Yes)
    OTS Docket #: 18032
    FDIC's unique #: 453951
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: June 27, 2007
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1438 Webster Street, Suite 100, Oakland, CA 94612
    County: Alameda
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Oakland, CA (#5775)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $286.7 mil
    Equity capital: $33.4 mil
    Deposits held in domestic offices: $224.9 mil
    Return on assets (ROA): 0.03% ($0.1 mil)
    Quarterly return on assets: 1.10% ($3.2 mil)
    Return on Equity (ROE): 0.26% ($0.1 mil)
    Quarterly return on equity: 9.19% ($3.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.03% ($86.0 mil)
    Quarterly Pretax return on assets: 1.10% ($3,154.1 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
  • 51Total employees (full-time equivalent)
  • $286,733Total assets
  • $60,527Cash and due from depository institutions
  • $53,705Interest-bearing balances
  • $57,943Securities
  • $4,285Federal funds sold & reverse repurchase agreements
  • $148,794Net loans & leases
  • $1,780Loan loss allowance
  • $0Trading account assets
  • $3,676Bank premises and fixed assets
  • $0Other real estate owned
  • $3,199Goodwill and other intangibles
  • $286,733Life insurance assets
  • $8,309All other assets
  • $253,321Total liabilities and capital
  • $224,948Total liabilities
  • $173,284Total deposits
  • $224,948Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,054Trading liabilities
  • $0Other borrowed funds
  • $3,319Subordinated debt
  • $33,412All other liabilities
  • $33,412Total equity capital
  • $33,412Total bank equity capital
  • $0Perpetual preferred stock
  • $2,240Common stock
  • $42,160Surplus
  • $-10,988Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,522Income earned, not collected on loans
  • $0Earning assets
  • $921Long-term assets (5+ years)
  • $264,727Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $282,636Volatile liabilities
  • $277,658Insider loans
  • $156,501FHLB advances
  • $282,885Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,564Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,651Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,263Total interest income
  • $2,202Total interest expense
  • $10,061Net interest income
  • $902Provision for loan and lease losses
  • $3,002Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,002Additional noninterest income
  • $12,362Total noninterest expense
  • $7,697Salaries and employee benefits
  • $1,088Premises and equipment expense
  • $3,577Additional noninterest expense
  • -$201Pre-tax net operating income
  • $286Securities gains (losses)
  • $0Applicable income taxes
  • $85Income before extraordinary items
  • $0Extraordinary gains - net
  • $85Net income attributable to bank
  • $0Net charge-offs
  • $85Cash dividends
  • $1,068Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.86%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 4.75%Noninterest expense to earning assets
  • -0.07%Net operating income to assets
  • 0.03%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 0.26%Return on equity (ROE)
  • 0.26%Retained earnings to average equity (YTD only)
  • 0.70%Net charge-offs to loans
  • 84.46%Credit loss provision to net charge-offs
  • 0.66%Efficiency ratio
  • 93,577Assets per employee
  • 5.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 20.89%Noncurrent assets plus other real estate owned to assets
  • 2.97%Noncurrent loans to loans
  • 5.66%Net loans and leases to deposits
  • 66.15%Net loans and leases to core deposits
  • 87.67%Equity capital to assets
  • 11.65%Core capital (leverage) ratio
  • 10.45%Tier 1 risk-based capital ratio
  • 18.89%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $282,636Average earning assets
  • $32,870Average equity
  • $260,386Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0453951One Pacificcoast Bank, Fsb1438 Webster Street, Suite 100, Oakland, CA 94612June 27, 2007Full Service Brick and Mortar
  • 2 Washington Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    115831Shorebank, Pacific Branch203 Howerton Way, Southeast, Ilwaco, WA 98624July 12, 1978Full Service Brick and Mortar
    2493124Mosler Branch2720 South Third Ave, Seattle, WA 98121January 02, 2009Full Service Brick and Mortar

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