Pacific Liberty Bank in Huntington Beach, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 07, 2005

  • Pacific Liberty Bank in Huntington Beach, California (CA)
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Pacific Liberty Bank - Overview

  • General
  • FDIC Certificate #: 34817
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Pacific Western Bank (#24045)
    Federal Reserve ID: 2661898
    Date Established: May 17, 1999
    WWW: http://www.pacificliberty.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 61728
    Numeric code: 13
    Regulator: FED
    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: May 17, 1999
    Last Structure Change Effective Date: October 07, 2005
    Last Structure Change Process Date: November 28, 2005
    Last Data Update: November 28, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 19950 Beach Boulevard, Huntington Beach, CA 92648
    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)
  • Financial Summary
  • Total assets: $163.1 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, 2004)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $132,631Total assets
  • $3,533Cash and due from depository institutions
  • $99Interest-bearing balances
  • $22,236Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $101,591Net loans & leases
  • $1,250Loan loss allowance
  • $0Trading account assets
  • $102Bank premises and fixed assets
  • $0Other real estate owned
  • $748Goodwill and other intangibles
  • $0Life insurance assets
  • $4,421All other assets
  • $132,631Total liabilities and capital
  • $117,598Total liabilities
  • $116,599Total deposits
  • $77,896Interest-bearing deposits
  • $116,599Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $999All other liabilities
  • $15,033Total equity capital
  • $15,033Total bank equity capital
  • $15,033Perpetual preferred stock
  • $0Common stock
  • $11,570Surplus
  • $0Undivided profits
  • Memoranda
  • $3,463Noncurrent loans and leases
  • $42,158Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $574Average Assets, year-to-date
  • $123,926Average Assets, quarterly
  • $18,660Volatile liabilities
  • $119,522Insider loans
  • $133,460FHLB advances
  • $21,951Loans and leases held for sale
  • $2,152Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $42,158Total unused commitments
  • $0Restructured Loans and leases
  • $1,344Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $6,730Total interest income
  • $1,129Total interest expense
  • $5,601Net interest income
  • $444Provision for loan and lease losses
  • $1,908Total noninterest income
  • $0Fiduciary activities
  • $521Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,387Additional noninterest income
  • $3,769Total noninterest expense
  • $1,911Salaries and employee benefits
  • $460Premises and equipment expense
  • $1,398Additional noninterest expense
  • $3,296Pre-tax net operating income
  • $33Securities gains (losses)
  • $1,250Applicable income taxes
  • $2,079Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,079Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$17Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.12%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 5.09%Net interest margin
  • 1.73%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 1.72%Net operating income to assets
  • 1.74%Return on assets (ROA)
  • 2.79%Pretax return on assets
  • 15.09%Return on equity (ROE)
  • 15.09%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -2611.76%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 50,193Assets per employee
  • 6.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 87.13%Net loans and leases to core deposits
  • 107.34%Equity capital to assets
  • 11.33%Core capital (leverage) ratio
  • 10.81%Tier 1 risk-based capital ratio
  • 13.42%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $119,522Average earning assets
  • $13,775Average equity
  • $109,998Average loans

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