Pacific Enterprise Bank in Irvine, California (CA)

Show street view No street view available for this location

Pacific Enterprise Bank routing number info

Table of contents:
Pacific Enterprise Bank
GeneralFDIC Certificate #: 58415
Status: Active
Federal Reserve ID: 3490871
Bank Holding Company (Regulatory Top Holder): Pacific Enterprise Bancorp (RSSDID: 3490880, Location: Irvine, CA)
Date Established: April 30, 2007
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 451181
Numeric code: 13
Regulator: FED
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: April 30, 2007
Last Structure Change Effective Date: May 01, 2007
Last Structure Change Process Date: May 01, 2007
Last Data Update: May 01, 2007
Data Source Date: April 05, 2012
LocationAddress: 17748 Sky Park Circle, Irvine, CA 92614
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)
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $275.3 mil
Equity capital: $25.8 mil
Deposits held in domestic offices: $237.4 mil
Return on assets (ROA): 1.31% ($3.6 mil)
Quarterly return on assets: 0.92% ($2.5 mil)
Return on Equity (ROE): 12.37% ($3.2 mil)
Quarterly return on equity: 9.46% ($2.5 mil)
Net income: $3.0 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.29% ($3,551.3 mil)
Quarterly Pretax return on assets: 1.37% ($3,771.5 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)
Total employees (full-time equivalent)39
Total assets$275,294
Cash and due from depository institutions$23,083
Interest-bearing balances$21,167
Federal funds sold & reverse repurchase agreements$25,615
Net loans & leases$205,665
Loan loss allowance $3,287
Trading account assets$0
Bank premises and fixed assets$764
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$6,821
Life insurance assets$275,294
Total liabilities and capital$249,496
Total liabilities$237,393
Total deposits$196,633
Interest-bearing deposits$237,393
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,750
Other borrowed funds $0
Subordinated debt $2,353
All other liabilities $25,798
Total equity capital$25,798
Total bank equity capital$25,798
Perpetual preferred stock$0
Common stock$25,000
Undivided profits $-788
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,061
Earning assets $0
Long-term assets (5+ years) $803
Average Assets, year-to-date $265,793
Average Assets, quarterly $33,099
Volatile liabilities $229,222
Insider loans $263,418
FHLB advances $157,301
Loans and leases held for sale $254,526
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $24,114
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $18,828
Back to page top, Back to table top

Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,485
Total interest expense $2,217
Net interest income $9,268
Provision for loan and lease losses $931
Total noninterest income $2,121
Fiduciary activities $0
Service charges on deposit accounts $414
Trading account gains & fees $0
Additional noninterest income $1,707
Total noninterest expense $7,491
Salaries and employee benefits $4,732
Premises and equipment expense $741
Additional noninterest expense $2,018
Pre-tax net operating income $2,967
Securities gains (losses) $0
Applicable income taxes -$45
Income before extraordinary items $3,012
Extraordinary gains - net $0
Net income attributable to bank $3,012
Net charge-offs $0
Cash dividends $3,012
Sale, conversion, retirement of capital stock, net $234
Net operating income $0
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.22%
Cost of funding earning assets 1.01%
Net interest margin 4.21%
Noninterest income to earning assets 0.96%
Noninterest expense to earning assets 3.41%
Net operating income to assets 1.31%
Return on assets (ROA) 1.31%
Pretax return on assets 1.29%
Return on equity (ROE) 12.37%
Retained earnings to average equity (YTD only) 12.37%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 397.86%
Efficiency ratio16.66%
Assets per employee$65,774
Cash dividends to net income (YTD only)7.06%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 309.80%
Noncurrent loans to loans 0.39%
Net loans and leases to deposits0.51%
Net loans and leases to core deposits 86.63%
Equity capital to assets 104.73%
Core capital (leverage) ratio 9.37%
Tier 1 risk-based capital ratio 9.47%
Total risk-based capital ratio 15.33%
Average assets$17
Average earning assets$229,222
Average equity $24,356
Average loans $219,903
Back to page top, Back to table top

1 California Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0451181Pacific Enterprise Bank17748 Sky Park Circle, Irvine, CA 92614April 30, 2007Full Service Brick and Mortar
Back to page top

User Contributions:

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 Pacific Enterprise Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.