Tustin Community Bank in Tustin, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Tustin Community Bank - Overview

  • General
  • FDIC Certificate #: 32908
    Status: Active
    Federal Reserve ID: 1418255
    Bank Holding Company (Regulatory Top Holder): Saddleback Bancorp (RSSDID: 3591611, Location: Tustin, CA)
    Date Established: April 23, 1981
    WWW: http://www.tustincmtybank.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)
    OTS Docket #: 15161
    FDIC's unique #: 45821
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 16, 1990
    Last Structure Change Effective Date: July 26, 2007
    Last Structure Change Process Date: September 17, 2007
    Last Data Update: September 17, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 13891 Newport Avenue, Suites 100 & 130, Tustin, CA 92780
    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 Entity Type
  • Financial Summary
  • Total assets: $57.1 mil
    Equity capital: $8.1 mil
    Deposits held in domestic offices: $46.1 mil
    Return on assets (ROA): 2.23% ($1.3 mil)
    Quarterly return on assets: 2.27% ($1.3 mil)
    Return on Equity (ROE): 16.01% ($1.3 mil)
    Quarterly return on equity: 15.85% ($1.3 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.31% ($1,318.4 mil)
    Quarterly Pretax return on assets: 2.36% ($1,347.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
  • $57,075Total assets
  • $9,744Cash and due from depository institutions
  • $8,772Interest-bearing balances
  • $75Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $46,159Net loans & leases
  • $2,050Loan loss allowance
  • $0Trading account assets
  • $243Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $57,075Life insurance assets
  • $854All other assets
  • $48,965Total liabilities and capital
  • $46,096Total liabilities
  • $45,156Total deposits
  • $46,096Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $369Subordinated debt
  • $8,110All other liabilities
  • $8,110Total equity capital
  • $8,110Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $2,550Surplus
  • $3,560Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $32Income earned, not collected on loans
  • $0Earning assets
  • $241Long-term assets (5+ years)
  • $55,006Average Assets, year-to-date
  • $9,495Average Assets, quarterly
  • $58,658Volatile liabilities
  • $57,672Insider loans
  • $50,016FHLB advances
  • $57,823Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,110Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,661Restructured Loans and leases
  • $240Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,225Total interest income
  • $603Total interest expense
  • $4,622Net interest income
  • $332Provision for loan and lease losses
  • $225Total noninterest income
  • $0Fiduciary activities
  • $2Service charges on deposit accounts
  • $0Trading account gains & fees
  • $223Additional noninterest income
  • $3,162Total noninterest expense
  • $1,701Salaries and employee benefits
  • $331Premises and equipment expense
  • $1,130Additional noninterest expense
  • $1,353Pre-tax net operating income
  • $0Securities gains (losses)
  • $47Applicable income taxes
  • $1,306Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,306Net income attributable to bank
  • $0Net charge-offs
  • $1,306Cash dividends
  • $217Sale, conversion, retirement of capital stock, net
  • $1,138Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.25%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 8.18%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 5.60%Noninterest expense to earning assets
  • 2.23%Net operating income to assets
  • 2.23%Return on assets (ROA)
  • 2.31%Pretax return on assets
  • 16.01%Return on equity (ROE)
  • 2.06%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 153.00%Credit loss provision to net charge-offs
  • 7.76%Efficiency ratio
  • 65,236Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.14%Loss allowance to loans
  • 4.25%Loss allowance to noncurrent loans
  • 6406.25%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 100.14%Net loans and leases to core deposits
  • 103.90%Equity capital to assets
  • 14.21%Core capital (leverage) ratio
  • 14.03%Tier 1 risk-based capital ratio
  • 16.21%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $58,658Average earning assets
  • $8,159Average equity
  • $56,494Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045821Tustin Community Bank13891 Newport Avenue, Suites 100 & 130, Tustin, CA 92780April 23, 1981Full Service Brick and Mortar

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