United Pacific Bank in City Of Industry, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • United Pacific Bank in City Of Industry, California (CA)
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United Pacific Bank - Overview

  • General
  • FDIC Certificate #: 23805
    Status: Active
    Federal Reserve ID: 609467
    Date Established: May 11, 1982
    WWW: http://www.upbnet.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 16641
    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: May 11, 1982
    Last Structure Change Effective Date: Febuary 16, 2010
    Last Structure Change Process Date: Febuary 16, 2010
    Last Data Update: Febuary 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1630 South Azusa Avenue, City Of Industry, CA 91748
    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)
  • Financial Summary
  • Total assets: $125.9 mil
    Equity capital: $16.0 mil
    Deposits held in domestic offices: $94.1 mil
    Return on assets (ROA): 0.07% ($0.1 mil)
    Quarterly return on assets: 0.30% ($0.4 mil)
    Return on Equity (ROE): 0.62% ($0.1 mil)
    Quarterly return on equity: 2.37% ($0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.07% ($88.1 mil)
    Quarterly Pretax return on assets: 0.30% ($377.6 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
  • 26Total employees (full-time equivalent)
  • $125,878Total assets
  • $34,430Cash and due from depository institutions
  • $33,021Interest-bearing balances
  • $3,687Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $85,464Net loans & leases
  • $3,225Loan loss allowance
  • $0Trading account assets
  • $155Bank premises and fixed assets
  • $0Other real estate owned
  • $406Goodwill and other intangibles
  • $125,879Life insurance assets
  • $1,736All other assets
  • $109,865Total liabilities and capital
  • $94,058Total liabilities
  • $90,878Total deposits
  • $94,058Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,500Trading liabilities
  • $0Other borrowed funds
  • $307Subordinated debt
  • $16,014All other liabilities
  • $16,014Total equity capital
  • $16,014Total bank equity capital
  • $2,000Perpetual preferred stock
  • $16,097Common stock
  • $11,100Surplus
  • $-13,183Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,414Income earned, not collected on loans
  • $1,180Earning assets
  • $284Long-term assets (5+ years)
  • $122,172Average Assets, year-to-date
  • $8,488Average Assets, quarterly
  • $139,396Volatile liabilities
  • $128,181Insider loans
  • $90,062FHLB advances
  • $128,798Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,108Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $235Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,457Total interest income
  • $1,733Total interest expense
  • $4,724Net interest income
  • $1,325Provision for loan and lease losses
  • $861Total noninterest income
  • $0Fiduciary activities
  • $128Service charges on deposit accounts
  • $0Trading account gains & fees
  • $733Additional noninterest income
  • $4,193Total noninterest expense
  • $2,192Salaries and employee benefits
  • $700Premises and equipment expense
  • $1,301Additional noninterest expense
  • $67Pre-tax net operating income
  • $34Securities gains (losses)
  • $1Applicable income taxes
  • $100Income before extraordinary items
  • $0Extraordinary gains - net
  • $100Net income attributable to bank
  • $0Net charge-offs
  • $100Cash dividends
  • $1,321Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.05%Net operating income to assets
  • 0.07%Return on assets (ROA)
  • 0.07%Pretax return on assets
  • 0.62%Return on equity (ROE)
  • 0.62%Retained earnings to average equity (YTD only)
  • 1.24%Net charge-offs to loans
  • 100.30%Credit loss provision to net charge-offs
  • 1.05%Efficiency ratio
  • 75,076Assets per employee
  • 4.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.64%Loss allowance to noncurrent loans
  • 73.06%Noncurrent assets plus other real estate owned to assets
  • 3.51%Noncurrent loans to loans
  • 4.98%Net loans and leases to deposits
  • 90.86%Net loans and leases to core deposits
  • 95.28%Equity capital to assets
  • 12.72%Core capital (leverage) ratio
  • 12.51%Tier 1 risk-based capital ratio
  • 17.89%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $139,396Average earning assets
  • $16,030Average equity
  • $135,326Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016641United Pacific Bank1630 South Azusa Avenue, City Of Industry, CA 91748May 11, 1982Full Service Brick and Mortar
    2256725San Gabriel Valley Regional Office101 West Garvey Avenue, Montery Park, CA 91754March 10, 1997Full Service Brick and Mortar

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