United Commercial Bank in San Francisco, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 06, 2009

  • United Commercial Bank in San Francisco, California (CA)
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United Commercial Bank - Overview

  • General
  • FDIC Certificate #: 32469
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: East West Bank (#31628)
    Federal Reserve ID: 43173
    Date Established: March 27, 1986
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 66 (Interstate: No)
    OTS Docket #: 8297
    FDIC's unique #: 45303
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 27, 1986
    Last Structure Change Effective Date: November 06, 2009
    Last Structure Change Process Date: November 09, 2009
    Last Data Update: November 09, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 555 Montgomery Street, San Francisco, CA 94111
    County: San Francisco
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Francisco, CA (#7360)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
  • History of Changes
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $10,895.3 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, 2008)

  • Dollar figures in thousands
  • 1,522Total employees (full-time equivalent)
  • $13,476,095Total assets
  • $578,164Cash and due from depository institutions
  • $369,427Interest-bearing balances
  • $3,243,886Securities
  • $180,000Federal funds sold & reverse repurchase agreements
  • $8,440,248Net loans & leases
  • $230,439Loan loss allowance
  • $0Trading account assets
  • $145,614Bank premises and fixed assets
  • $27,688Other real estate owned
  • $459,850Goodwill and other intangibles
  • $13,276Life insurance assets
  • $400,645All other assets
  • $13,476,095Total liabilities and capital
  • $11,882,182Total liabilities
  • $9,057,304Total deposits
  • $8,182,865Interest-bearing deposits
  • $8,117,900Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $700,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,881,560Other borrowed funds
  • $125,000Subordinated debt
  • $118,318All other liabilities
  • $1,593,913Total equity capital
  • $1,593,913Total bank equity capital
  • $1,593,913Perpetual preferred stock
  • $0Common stock
  • $75,000Surplus
  • $1,018,314Undivided profits
  • Memoranda
  • $500,599Noncurrent loans and leases
  • $2,189,344Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $529,520Earning assets
  • $6,690Long-term assets (5+ years)
  • $70,835Average Assets, year-to-date
  • $12,233,561Average Assets, quarterly
  • $3,732,859Volatile liabilities
  • $12,770,403Insider loans
  • $13,248,569FHLB advances
  • $4,317,059Loans and leases held for sale
  • $0Unused loan commitments
  • $1,716,757Tier 1 (core) risk-based capital
  • $582,266Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,189,344Total unused commitments
  • $0Restructured Loans and leases
  • $250,769Derivatives
  • $1,508,243Total assets and liabilities in foreign offices

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $697,356Total interest income
  • $342,795Total interest expense
  • $354,561Net interest income
  • $263,089Provision for loan and lease losses
  • $38,978Total noninterest income
  • $0Fiduciary activities
  • $8,653Service charges on deposit accounts
  • $0Trading account gains & fees
  • $30,325Additional noninterest income
  • $209,649Total noninterest expense
  • $112,939Salaries and employee benefits
  • $32,932Premises and equipment expense
  • $63,778Additional noninterest expense
  • -$79,199Pre-tax net operating income
  • -$32,289Securities gains (losses)
  • -$57,235Applicable income taxes
  • -$54,253Income before extraordinary items
  • $0Extraordinary gains - net
  • -$54,253Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $113,234Sale, conversion, retirement of capital stock, net
  • $35,500Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.97%Yield on earning assets
  • 2.94%Cost of funding earning assets
  • 3.04%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 1.80%Noninterest expense to earning assets
  • -0.26%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.87%Pretax return on assets
  • -3.95%Return on equity (ROE)
  • -6.54%Retained earnings to average equity (YTD only)
  • 1.33%Net charge-offs to loans
  • 232.34%Credit loss provision to net charge-offs
  • 1.62%Efficiency ratio
  • 51,826Assets per employee
  • 8.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -65.43%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 43.52%Noncurrent assets plus other real estate owned to assets
  • 4.13%Noncurrent loans to loans
  • 6.11%Net loans and leases to deposits
  • 93.19%Net loans and leases to core deposits
  • 145.29%Equity capital to assets
  • 11.83%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 11.72%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $12,770,403Average earning assets
  • $1,371,892Average equity
  • $11,673,774Average loans

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