FDIC Certificate #: 58588 Status: Active Federal Reserve ID: 3655933 Date Established: November 16, 2007 WWW:http://www.partnersbankca.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 457436 Numeric code: 21 Regulator: FDIC 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: November 16, 2007 Last Structure Change Effective Date: September 23, 2011 Last Structure Change Process Date: September 23, 2011 Last Data Update: September 23, 2011 Data Source Date: April 05, 2012
Location
Address: 27201 Puerta Real, Suite 160, Mission Viejo, CA 92691 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: $100.5 mil Equity capital: $15.9 mil Deposits held in domestic offices: $84.0 mil Return on assets (ROA): 0.89% ($0.9 mil) Quarterly return on assets: 1.24% ($1.2 mil) Return on Equity (ROE): 7.91% ($1.3 mil) Quarterly return on equity: 8.77% ($1.4 mil) Net income: $0.9 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.77% ($773.7 mil) Quarterly Pretax return on assets: 0.77% ($773.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
27Total employees (full-time equivalent)
$100,475Total assets
$16,612Cash and due from depository institutions
$14,019Interest-bearing balances
$2,249Securities
$0Federal funds sold & reverse repurchase agreements
$79,917Net loans & leases
$2,543Loan loss allowance
$0Trading account assets
$222Bank premises and fixed assets
$0Other real estate owned
$129Goodwill and other intangibles
$100,475Life insurance assets
$1,346All other assets
$84,554Total liabilities and capital
$83,982Total liabilities
$65,164Total deposits
$83,982Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$572Subordinated debt
$15,921All other liabilities
$15,921Total equity capital
$15,921Total bank equity capital
$2,444Perpetual preferred stock
$22,958Common stock
$985Surplus
$-10,466Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$650Income earned, not collected on loans
$0Earning assets
$302Long-term assets (5+ years)
$96,185Average Assets, year-to-date
$33,767Average Assets, quarterly
$101,902Volatile liabilities
$106,069Insider loans
$82,570FHLB advances
$102,501Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,839Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,237Restructured Loans and leases
$3,557Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,791Total interest income
$1,059Total interest expense
$4,732Net interest income
$249Provision for loan and lease losses
$351Total noninterest income
$0Fiduciary activities
$81Service charges on deposit accounts
$0Trading account gains & fees
$270Additional noninterest income
$4,297Total noninterest expense
$2,485Salaries and employee benefits
$410Premises and equipment expense
$1,402Additional noninterest expense
$537Pre-tax net operating income
$243Securities gains (losses)
-$124Applicable income taxes
$904Income before extraordinary items
$0Extraordinary gains - net
$904Net income attributable to bank
$0Net charge-offs
$904Cash dividends
$171Sale, conversion, retirement of capital stock, net
$6Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.91%Yield on earning assets
1.08%Cost of funding earning assets
4.83%Net interest margin
0.36%Noninterest income to earning assets
4.38%Noninterest expense to earning assets
0.65%Net operating income to assets
0.89%Return on assets (ROA)
0.77%Pretax return on assets
7.91%Return on equity (ROE)
7.86%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
145.61%Credit loss provision to net charge-offs
4.60%Efficiency ratio
84,537Assets per employee
3.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.66%Loss allowance to loans
3.08%Loss allowance to noncurrent loans
391.23%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
0.79%Net loans and leases to deposits
95.16%Net loans and leases to core deposits
133.38%Equity capital to assets
15.85%Core capital (leverage) ratio
15.45%Tier 1 risk-based capital ratio
19.18%Total risk-based capital ratio
Memoranda
$20Average assets
$101,902Average earning assets
$11,424Average equity
$97,996Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
457436
Partners Bank Of California
27201 Puerta Real, Suite 160, Mission Viejo, CA 92691
November 16, 2007
Full Service Brick and Mortar
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