Pacific Enterprise Bank in Irvine, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Pacific Enterprise Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 39Total employees (full-time equivalent)
  • $275,294Total assets
  • $23,083Cash and due from depository institutions
  • $21,167Interest-bearing balances
  • $13,346Securities
  • $25,615Federal funds sold & reverse repurchase agreements
  • $205,665Net loans & leases
  • $3,287Loan loss allowance
  • $0Trading account assets
  • $764Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $275,294Life insurance assets
  • $6,821All other assets
  • $249,496Total liabilities and capital
  • $237,393Total liabilities
  • $196,633Total deposits
  • $237,393Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,750Trading liabilities
  • $0Other borrowed funds
  • $2,353Subordinated debt
  • $25,798All other liabilities
  • $25,798Total equity capital
  • $25,798Total bank equity capital
  • $0Perpetual preferred stock
  • $25,000Common stock
  • $1,586Surplus
  • $-788Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,061Income earned, not collected on loans
  • $0Earning assets
  • $803Long-term assets (5+ years)
  • $265,793Average Assets, year-to-date
  • $33,099Average Assets, quarterly
  • $229,222Volatile liabilities
  • $263,418Insider loans
  • $157,301FHLB advances
  • $254,526Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,114Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,828Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

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

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.21%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 12.37%Return on equity (ROE)
  • 12.37%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 397.86%Credit loss provision to net charge-offs
  • 16.66%Efficiency ratio
  • 65,774Assets per employee
  • 7.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 309.80%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 86.63%Net loans and leases to core deposits
  • 104.73%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 9.47%Tier 1 risk-based capital ratio
  • 15.33%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $229,222Average earning assets
  • $24,356Average equity
  • $219,903Average loans

List of branches

  • 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

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