FDIC Certificate #: 25060 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Pacific Western Bank (#24045) Federal Reserve ID: 184263 Date Established: March 12, 1984 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 17346 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: March 12, 1984 Last Structure Change Effective Date: August 22, 2002 Last Structure Change Process Date: September 06, 2002 Last Data Update: September 06, 2002 Data Source Date: April 05, 2012
Location
Address: 100 North Euclid Avenue, Upland, CA 91786 County: San Bernardino 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): Riverside-San Bernardino, CA (#6780) 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): Riverside-San Bernardino-Ontario, CA (#40140) CBSA Metro Statistical Area: Riverside-San Bernardino-Ontario, CA (#40140)
Financial Summary
Total assets: $111.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
39Total employees (full-time equivalent)
$103,887Total assets
$5,046Cash and due from depository institutions
$793Interest-bearing balances
$1,835Securities
$5,763Federal funds sold & reverse repurchase agreements
$86,975Net loans & leases
$1,216Loan loss allowance
$0Trading account assets
$380Bank premises and fixed assets
$174Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,714All other assets
$103,887Total liabilities and capital
$92,653Total liabilities
$89,735Total deposits
$66,730Interest-bearing deposits
$89,735Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,918All other liabilities
$11,234Total equity capital
$11,234Total bank equity capital
$11,234Perpetual preferred stock
$0Common stock
$5,836Surplus
$0Undivided profits
Memoranda
$5,398Noncurrent loans and leases
$108,372Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,028Earning assets
$0Long-term assets (5+ years)
$415Average Assets, year-to-date
$95,366Average Assets, quarterly
$8,530Volatile liabilities
$103,721Insider loans
$103,696FHLB advances
$17,703Loans and leases held for sale
$1,773Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$108,372Total unused commitments
$0Restructured Loans and leases
$1,216Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$9,327Total interest income
$3,340Total interest expense
$5,987Net interest income
$130Provision for loan and lease losses
$687Total noninterest income
$0Fiduciary activities
$674Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$4,207Total noninterest expense
$2,378Salaries and employee benefits
$520Premises and equipment expense
$1,309Additional noninterest expense
$2,337Pre-tax net operating income
$0Securities gains (losses)
$971Applicable income taxes
$1,366Income before extraordinary items
$0Extraordinary gains - net
$1,366Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$22Sale, conversion, retirement of capital stock, net
$347Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.91%Yield on earning assets
3.55%Cost of funding earning assets
6.36%Net interest margin
0.73%Noninterest income to earning assets
4.47%Noninterest expense to earning assets
1.32%Net operating income to assets
1.32%Return on assets (ROA)
2.25%Pretax return on assets
12.79%Return on equity (ROE)
9.54%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
590.91%Credit loss provision to net charge-offs
112.14%Efficiency ratio
63,036Assets per employee
2.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.40%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
118.29%Noncurrent assets plus other real estate owned to assets
1.16%Noncurrent loans to loans
1.17%Net loans and leases to deposits
96.92%Net loans and leases to core deposits
120.74%Equity capital to assets
10.81%Core capital (leverage) ratio
10.51%Tier 1 risk-based capital ratio
9.05%Total risk-based capital ratio
Memoranda
$10Average assets
$103,721Average earning assets
$10,677Average equity
$94,088Average loans
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