Plaza Bank in Irvine, California (CA), NV
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Plaza Bank in Irvine, California (CA), NV
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Plaza Bank - Overview

  • General
  • FDIC Certificate #: 58100
    Status: Active
    Federal Reserve ID: 3400928
    Bank Holding Company (Regulatory Top Holder): Scj, Inc. (RSSDID: 3811467, Location: Irvine, CA)
    Date Established: December 30, 2005
    WWW: http://www.plazabank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: Yes)
    FDIC's unique #: 439707
    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: December 30, 2005
    Last Structure Change Effective Date: July 23, 2010
    Last Structure Change Process Date: July 26, 2010
    Last Data Update: July 26, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 19900 Macarthur Blvd., Suite 110, 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
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total assets: $332.7 mil
    Equity capital: $46.6 mil
    Deposits held in domestic offices: $263.4 mil
    Return on assets (ROA): 0.52% ($1.7 mil)
    Quarterly return on assets: 0.52% ($1.7 mil)
    Return on Equity (ROE): 3.78% ($1.8 mil)
    Quarterly return on equity: 3.82% ($1.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.69% ($2,295.7 mil)
    Quarterly Pretax return on assets: 0.88% ($2,927.8 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
  • 74Total employees (full-time equivalent)
  • $332,708Total assets
  • $16,817Cash and due from depository institutions
  • $11,931Interest-bearing balances
  • $21,142Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $269,270Net loans & leases
  • $2,824Loan loss allowance
  • $0Trading account assets
  • $694Bank premises and fixed assets
  • $2,384Other real estate owned
  • $5,341Goodwill and other intangibles
  • $332,708Life insurance assets
  • $17,060All other assets
  • $286,069Total liabilities and capital
  • $263,385Total liabilities
  • $227,416Total deposits
  • $263,385Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $2,684Subordinated debt
  • $46,639All other liabilities
  • $46,639Total equity capital
  • $46,639Total bank equity capital
  • $0Perpetual preferred stock
  • $38,411Common stock
  • $3,720Surplus
  • $4,508Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,789Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,478Income earned, not collected on loans
  • $0Earning assets
  • $1,244Long-term assets (5+ years)
  • $302,343Average Assets, year-to-date
  • $85,023Average Assets, quarterly
  • $330,905Volatile liabilities
  • $341,929Insider loans
  • $263,699FHLB advances
  • $335,899Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $41,117Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,490Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,998Total interest income
  • $3,536Total interest expense
  • $12,462Net interest income
  • $1,558Provision for loan and lease losses
  • $4,384Total noninterest income
  • $0Fiduciary activities
  • $279Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,105Additional noninterest income
  • $13,006Total noninterest expense
  • $8,123Salaries and employee benefits
  • $1,356Premises and equipment expense
  • $3,527Additional noninterest expense
  • $2,282Pre-tax net operating income
  • $0Securities gains (losses)
  • $563Applicable income taxes
  • $1,719Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,719Net income attributable to bank
  • $0Net charge-offs
  • $1,719Cash dividends
  • $397Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.50%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 4.28%Net interest margin
  • 1.51%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 3.78%Return on equity (ROE)
  • 3.78%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 392.44%Credit loss provision to net charge-offs
  • 9.67%Efficiency ratio
  • 76,184Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 17.14%Noncurrent assets plus other real estate owned to assets
  • 5.67%Noncurrent loans to loans
  • 6.06%Net loans and leases to deposits
  • 102.23%Net loans and leases to core deposits
  • 106.81%Equity capital to assets
  • 14.02%Core capital (leverage) ratio
  • 12.24%Tier 1 risk-based capital ratio
  • 15.59%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $330,905Average earning assets
  • $45,425Average equity
  • $291,029Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439707Plaza Bank19900 Macarthur Blvd., Suite 110, Irvine, CA 92612December 30, 2005Full Service Brick and Mortar
  • 1 Nevada Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    180032Plaza Branch8275 W Flamingo Rd, Las Vegas, NV 89147May 03, 2001Full Service Brick and Mortar

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