FDIC Certificate #: 26325 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Santa Barbara Bank & Trust, National Association (#18169) Federal Reserve ID: 1028010 Date Established: September 01, 1974 WWW:http://www.paccrest.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 32829 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: August 14, 1985 Last Structure Change Effective Date: March 05, 2004 Last Structure Change Process Date: April 14, 2004 Last Data Update: April 14, 2004 Data Source Date: April 05, 2012
Location
Address: 30343 Canwood Street, Suite 100, Agoura Hills, CA 91301 County: Los Angeles Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco 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)
Financial Summary
Total assets: $566.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
86Total employees (full-time equivalent)
$566,540Total assets
$5,887Cash and due from depository institutions
$0Interest-bearing balances
$128,405Securities
$95Federal funds sold & reverse repurchase agreements
$413,886Net loans & leases
$8,735Loan loss allowance
$0Trading account assets
$930Bank premises and fixed assets
$0Other real estate owned
$553Goodwill and other intangibles
$0Life insurance assets
$16,784All other assets
$566,540Total liabilities and capital
$501,974Total liabilities
$312,300Total deposits
$303,870Interest-bearing deposits
$312,300Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$186,800Other borrowed funds
$0Subordinated debt
$2,874All other liabilities
$64,566Total equity capital
$64,566Total bank equity capital
$64,566Perpetual preferred stock
$0Common stock
$2,000Surplus
$27,781Undivided profits
Memoranda
$34,785Noncurrent loans and leases
$2,051Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$605Earning assets
$605Long-term assets (5+ years)
$2,297Average Assets, year-to-date
$542,386Average Assets, quarterly
$376,218Volatile liabilities
$589,994Insider loans
$579,139FHLB advances
$127,611Loans and leases held for sale
$0Unused loan commitments
$177,600Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$16,291Total risk weighted assets
$2,051Total unused commitments
$0Restructured Loans and leases
$5,186Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$39,834Total interest income
$12,521Total interest expense
$27,313Net interest income
$174Provision for loan and lease losses
$2,712Total noninterest income
$0Fiduciary activities
$12Service charges on deposit accounts
$0Trading account gains & fees
$2,700Additional noninterest income
$13,205Total noninterest expense
$9,077Salaries and employee benefits
$1,431Premises and equipment expense
$2,697Additional noninterest expense
$16,646Pre-tax net operating income
$516Securities gains (losses)
$6,916Applicable income taxes
$10,246Income before extraordinary items
$0Extraordinary gains - net
$10,246Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$24Sale, conversion, retirement of capital stock, net
$3,200Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.00%Yield on earning assets
2.20%Cost of funding earning assets
4.80%Net interest margin
0.48%Noninterest income to earning assets
2.32%Noninterest expense to earning assets
1.68%Net operating income to assets
1.74%Return on assets (ROA)
2.91%Pretax return on assets
16.71%Return on equity (ROE)
11.49%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
725.00%Credit loss provision to net charge-offs
700.83%Efficiency ratio
43,980Assets per employee
6.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.23%Loss allowance to loans
2.07%Loss allowance to noncurrent loans
1443.80%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.14%Net loans and leases to deposits
132.53%Net loans and leases to core deposits
158.28%Equity capital to assets
11.40%Core capital (leverage) ratio
10.96%Tier 1 risk-based capital ratio
15.42%Total risk-based capital ratio
Memoranda
$17Average assets
$589,994Average earning assets
$61,327Average equity
$569,162Average loans
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