Royal Business Bank in Los Angeles, California (CA), NV
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Royal Business Bank in Los Angeles, California (CA), NV
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Royal Business Bank - Overview

  • General
  • FDIC Certificate #: 58816
    Status: Active
    Federal Reserve ID: 3835454
    Bank Holding Company (Regulatory Top Holder): Rbb Bancorp (RSSDID: 4176855, Location: Los Angeles, CA)
    Date Established: November 18, 2008
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: Yes)
    FDIC's unique #: 469176
    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 18, 2008
    Last Structure Change Effective Date: September 24, 2011
    Last Structure Change Process Date: September 28, 2011
    Last Data Update: September 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 660 S. Figueroa Street, Suite 1888, Los Angeles, CA 90017
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (North)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Los Angeles-Long Beach, CA (#4480)
    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: Los Angeles-Long Beach-Glendale, CA (#31084)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $502.4 mil
    Equity capital: $71.5 mil
    Deposits held in domestic offices: $427.6 mil
    Return on assets (ROA): 2.12% ($10.6 mil)
    Quarterly return on assets: 3.73% ($18.7 mil)
    Return on Equity (ROE): 12.13% ($8.7 mil)
    Quarterly return on equity: 25.53% ($18.4 mil)
    Net income: $8.0 mil
    Quarterly Net income: $4.4 mil
    Pretax return on assets: 1.20% ($6,028.4 mil)
    Quarterly Pretax return on assets: 0.83% ($4,169.6 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
  • 81Total employees (full-time equivalent)
  • $502,366Total assets
  • $60,636Cash and due from depository institutions
  • $54,640Interest-bearing balances
  • $95,092Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $328,242Net loans & leases
  • $5,060Loan loss allowance
  • $0Trading account assets
  • $3,337Bank premises and fixed assets
  • $2,267Other real estate owned
  • $859Goodwill and other intangibles
  • $502,366Life insurance assets
  • $11,933All other assets
  • $430,843Total liabilities and capital
  • $427,551Total liabilities
  • $370,866Total deposits
  • $427,551Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,292Subordinated debt
  • $71,523All other liabilities
  • $71,523Total equity capital
  • $71,523Total bank equity capital
  • $0Perpetual preferred stock
  • $71,164Common stock
  • $3,574Surplus
  • $-3,215Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $283Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,029Income earned, not collected on loans
  • $0Earning assets
  • $1,610Long-term assets (5+ years)
  • $477,974Average Assets, year-to-date
  • $86,843Average Assets, quarterly
  • $375,869Volatile liabilities
  • $474,784Insider loans
  • $337,619FHLB advances
  • $463,203Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $64,763Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $74,559Restructured Loans and leases
  • $20,200Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,610Total interest income
  • $3,270Total interest expense
  • $14,340Net interest income
  • $1,430Provision for loan and lease losses
  • $3,817Total noninterest income
  • $0Fiduciary activities
  • $183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,634Additional noninterest income
  • $12,432Total noninterest expense
  • $6,607Salaries and employee benefits
  • $1,849Premises and equipment expense
  • $3,976Additional noninterest expense
  • $4,295Pre-tax net operating income
  • $218Securities gains (losses)
  • -$3,440Applicable income taxes
  • $7,953Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,953Net income attributable to bank
  • $0Net charge-offs
  • $7,953Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.96%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 2.06%Net operating income to assets
  • 2.12%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 12.13%Return on equity (ROE)
  • 12.13%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,469Assets per employee
  • 6.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 100.62%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 76.77%Net loans and leases to core deposits
  • 112.86%Equity capital to assets
  • 14.24%Core capital (leverage) ratio
  • 13.98%Tier 1 risk-based capital ratio
  • 19.18%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $375,869Average earning assets
  • $65,577Average equity
  • $362,067Average loans

List of branches

  • 7 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0469176Royal Business Bank660 S. Figueroa Street, Suite 1888, Los Angeles, CA 90017November 18, 2008Full Service Brick and Mortar
    1493159San Gabriel Branch123 East Valley Boulevard Suite 101, San Gabriel, CA 91776June 26, 2009Full Service Brick and Mortar
    2510782Torrance Branch23740 Hawthorne Blvd. Suite 103, Torrance, CA 90505March 18, 2010Full Service Brick and Mortar
    3521466Rowland Heights Branch1015 S. Nogales Street, Unit 121 & 122a, Rowland Heights, CA 91748July 11, 2011Full Service Brick and Mortar
    6363664Ventura County Business Bank Branch366 W. Esplanade Drive, Oxnard, CA 93036April 02, 2003Full Service Brick and Mortar
    7418531Hampshire Road Branch600 Hampshire Road, Suite 100, Westlake Village, CA 91361April 02, 2003Full Service Brick and Mortar
    8426731Ventura366 Esplanade Drive, Ventura, CA 93003April 02, 2003Limited Service Messenger
  • 2 Nevada Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4454573First Asian Bank Branch2610 S Jones Blvd, Las Vegas, NV 89146June 06, 2007Full Service Brick and Mortar
    5467932Nevada Branch3919 Spring Mountain Road, Las Vegas, NV 89102September 06, 2007Full Service Brick and Mortar

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