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


  • Pacific Trust Bank, FSB in Irvine, California (CA)
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Pacific Trust Bank, FSB - Overview

  • General
  • FDIC Certificate #: 35498
    Status: Active
    Federal Reserve ID: 200378
    Date Established: April 21, 1941
    WWW: http://www.pacifictrustbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 15953
    FDIC's unique #: 80583
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 03, 2000
    Last Structure Change Effective Date: Febuary 09, 2012
    Last Structure Change Process Date: Febuary 15, 2012
    Last Data Update: Febuary 15, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 18500 Von Karman Avenue, Irvine, CA 92612
    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 Location
  • Financial Summary
  • Total assets: $984.3 mil
    Equity capital: $127.7 mil
    Deposits held in domestic offices: $831.9 mil
    Return on assets (ROA): 0.27% ($2.7 mil)
    Quarterly return on assets: -0.91% (-$9.0 mil)
    Return on Equity (ROE): 2.18% ($2.8 mil)
    Quarterly return on equity: -6.68% (-$8.6 mil)
    Net income: $2.4 mil
    Quarterly Net income: -$2.2 mil
    Pretax return on assets: 0.35% ($3,445.0 mil)
    Quarterly Pretax return on assets: -1.58% (-$15,551.8 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
  • 136Total employees (full-time equivalent)
  • $984,290Total assets
  • $44,201Cash and due from depository institutions
  • $37,720Interest-bearing balances
  • $99,804Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $775,609Net loans & leases
  • $9,066Loan loss allowance
  • $0Trading account assets
  • $10,569Bank premises and fixed assets
  • $8,274Other real estate owned
  • $0Goodwill and other intangibles
  • $984,290Life insurance assets
  • $45,833All other assets
  • $856,593Total liabilities and capital
  • $831,903Total liabilities
  • $811,158Total deposits
  • $831,903Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $4,690Subordinated debt
  • $127,697All other liabilities
  • $127,697Total equity capital
  • $127,697Total bank equity capital
  • $0Perpetual preferred stock
  • $53Common stock
  • $87,851Surplus
  • $39,793Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,368Income earned, not collected on loans
  • $0Earning assets
  • $3,556Long-term assets (5+ years)
  • $913,133Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $886,110Volatile liabilities
  • $946,637Insider loans
  • $743,090FHLB advances
  • $985,225Loans and leases held for sale
  • $18,451Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $128,632Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $63,707Restructured Loans and leases
  • $100Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $34,844Total interest income
  • $6,168Total interest expense
  • $28,676Net interest income
  • $5,388Provision for loan and lease losses
  • $231Total noninterest income
  • $0Fiduciary activities
  • $212Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $23,958Total noninterest expense
  • $13,482Salaries and employee benefits
  • $3,293Premises and equipment expense
  • $7,183Additional noninterest expense
  • -$439Pre-tax net operating income
  • $3,517Securities gains (losses)
  • $657Applicable income taxes
  • $2,421Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,421Net income attributable to bank
  • $0Net charge-offs
  • $2,421Cash dividends
  • $6,597Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • -0.04%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.35%Pretax return on assets
  • 2.18%Return on equity (ROE)
  • 2.18%Retained earnings to average equity (YTD only)
  • 0.94%Net charge-offs to loans
  • 81.67%Credit loss provision to net charge-offs
  • 0.75%Efficiency ratio
  • 82,880Assets per employee
  • 7.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 55.39%Noncurrent assets plus other real estate owned to assets
  • 2.50%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 93.23%Net loans and leases to core deposits
  • 108.81%Equity capital to assets
  • 12.97%Core capital (leverage) ratio
  • 13.06%Tier 1 risk-based capital ratio
  • 17.31%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $886,110Average earning assets
  • $111,132Average equity
  • $816,635Average loans

List of branches

  • 11 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080583Pacific Trust Bank, Fsb18500 Von Karman Avenue, Irvine, CA 92612April 21, 1941Full Service Brick and Mortar
    2290920El Cajon Branch350 Fletcher Parkway, El Cajon, CA 92020April 01, 1979Full Service Brick and Mortar
    3290921Temecula Branch27425 Ynez Road, Temecula, CA 92591October 01, 1993Full Service Brick and Mortar
    4290922Riverside Branch5030 Arlington Avenue, Riverside, CA 92504June 05, 1995Full Service Brick and Mortar
    5290923Bfg Chula Vista Branch850 Lagoon Drive, Chula Vista, CA 91910January 05, 1995Full Service Brick and Mortar
    6290924Bfg Riverside Branch8200 Arlington Avenue, Riverside, CA 92503April 01, 1979Full Service Brick and Mortar
    8359370F Street Branch279 F Street, Chula Vista, CA 91910January 01, 2000Full Service Brick and Mortar
    9425696Bernardo Center Branch16536 Bernardo Center Drive, San Diego, CA 92128June 30, 2003Full Service Brick and Mortar
    10425697Balboa Branch5508 Balboa Avenue, San Diego, CA 92111March 04, 2002Full Service Brick and Mortar
    11521323La Jolla Branch7877 Ivanhoe Avenue, La Jolla, CA 92037March 18, 2011Full Service Brick and Mortar
    12521324San Marcos Branch1642 West San Marcos Boulevard, San Marcos, CA 92078June 20, 2011Full Service Brick and Mortar

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