REGENTS BANK, NATIONAL ASSOCIATION in La Jolla, California (CA), WA
Overview, Financial Summary, Detailed Financial Reports, Branches


  • REGENTS BANK, NATIONAL ASSOCIATION in La Jolla, California (CA), WA
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REGENTS BANK, NATIONAL ASSOCIATION - Overview

  • General
  • FDIC Certificate #: 57177
    Status: Active
    Federal Reserve ID: 3030697
    Bank Holding Company (Regulatory Top Holder): Trafalgar Holdings, Llc (RSSDID: 3030688, Location: Vancouver, WA)
    Date Established: September 14, 2001
    WWW: http://www.regentsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    FDIC's unique #: 359011
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 14, 2001
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 875 Prospect Street, La Jolla, CA 92037
    County: San Diego
    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): San Diego, CA (#7320)
    Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740)
    CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $344.6 mil
    Equity capital: $39.9 mil
    Deposits held in domestic offices: $302.6 mil
    Return on assets (ROA): 0.49% ($1.7 mil)
    Quarterly return on assets: 0.50% ($1.7 mil)
    Return on Equity (ROE): 4.32% ($1.7 mil)
    Quarterly return on equity: 4.42% ($1.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.80% ($2,756.9 mil)
    Quarterly Pretax return on assets: 0.80% ($2,756.9 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
  • 60Total employees (full-time equivalent)
  • $344,612Total assets
  • $108,597Cash and due from depository institutions
  • $97,986Interest-bearing balances
  • $16,659Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $211,938Net loans & leases
  • $5,494Loan loss allowance
  • $0Trading account assets
  • $863Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $344,612Life insurance assets
  • $6,555All other assets
  • $304,677Total liabilities and capital
  • $302,638Total liabilities
  • $153,460Total deposits
  • $302,638Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,039Subordinated debt
  • $39,935All other liabilities
  • $39,935Total equity capital
  • $39,935Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $27,569Surplus
  • $11,366Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,340Income earned, not collected on loans
  • $0Earning assets
  • $678Long-term assets (5+ years)
  • $326,583Average Assets, year-to-date
  • $6,792Average Assets, quarterly
  • $342,228Volatile liabilities
  • $348,992Insider loans
  • $228,235FHLB advances
  • $349,892Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $39,914Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $69,087Restructured Loans and leases
  • $65Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,917Total interest income
  • $659Total interest expense
  • $13,258Net interest income
  • $542Provision for loan and lease losses
  • $907Total noninterest income
  • $0Fiduciary activities
  • $734Service charges on deposit accounts
  • $0Trading account gains & fees
  • $173Additional noninterest income
  • $10,991Total noninterest expense
  • $5,966Salaries and employee benefits
  • $1,342Premises and equipment expense
  • $3,683Additional noninterest expense
  • $2,632Pre-tax net operating income
  • $109Securities gains (losses)
  • $1,050Applicable income taxes
  • $1,691Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,691Net income attributable to bank
  • $0Net charge-offs
  • $1,691Cash dividends
  • $648Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.29%Yield on earning assets
  • 0.20%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 4.32%Return on equity (ROE)
  • 4.32%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 83.64%Credit loss provision to net charge-offs
  • 4.90%Efficiency ratio
  • 77,593Assets per employee
  • 5.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.53%Loss allowance to noncurrent loans
  • 410.00%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 70.03%Net loans and leases to core deposits
  • 76.52%Equity capital to assets
  • 11.59%Core capital (leverage) ratio
  • 11.41%Tier 1 risk-based capital ratio
  • 17.49%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $342,228Average earning assets
  • $39,151Average equity
  • $324,031Average loans

List of branches

  • 4 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0359011Regents Bank, National Association875 Prospect Street, La Jolla, CA 92037September 14, 2001Full Service Brick and Mortar
    1362036San Diego Branch501 West Broadway, Suite 550, San Diego, CA 92101September 14, 2001Full Service Brick and Mortar
    3453621Carlsbad Branch Office Branch1921 Palomar Oaks Way, Suite 100, Carlsbad, CA 92008June 05, 2006Full Service Brick and Mortar
    6510318El Cajon Office500 Fesler Street, Suite 103, El Cajon, CA 92020June 06, 2010Full Service Brick and Mortar
  • 1 Washington Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4437948Vancouver Branch2001 S.E. Columbia River Drive, Suite 101, Vancouver, WA 98661April 18, 2005Full Service Brick and Mortar

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