FDIC Certificate #: 35164 Status: Active Federal Reserve ID: 2921659 Date Established: July 01, 2000 WWW:http://www.americanfunds.com Trust Powers Granted: Yes Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15674 FDIC's unique #: 75636 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: July 01, 2000 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 6455 Irvine Center Drive, Irvine, CA 92618 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 Primary Regulatory Agency
Financial Summary
Total assets: $172.6 mil Equity capital: $61.3 mil Deposits held in domestic offices: $50.5 mil Return on assets (ROA): 8.93% ($15.4 mil) Quarterly return on assets: 6.86% ($11.9 mil) Return on Equity (ROE): 16.35% ($10.0 mil) Quarterly return on equity: 15.23% ($9.3 mil) Net income: $13.5 mil Quarterly Net income: $3.0 mil Pretax return on assets: 14.52% ($25,059.1 mil) Quarterly Pretax return on assets: 11.28% ($19,467.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
411Total employees (full-time equivalent)
$172,583Total assets
$45Cash and due from depository institutions
$0Interest-bearing balances
$143,585Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$20,684Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$172,583Life insurance assets
$8,269All other assets
$111,291Total liabilities and capital
$50,500Total liabilities
$50,500Total deposits
$50,500Interest-bearing deposits
$1Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$60,791Subordinated debt
$61,292All other liabilities
$61,292Total equity capital
$61,292Total bank equity capital
$0Perpetual preferred stock
$5,000Common stock
$5,000Surplus
$51,292Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$606Long-term assets (5+ years)
$143,585Average Assets, year-to-date
$0Average Assets, quarterly
$151,035Volatile liabilities
$172,586Insider loans
$35,764FHLB advances
$164,770Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$57,271Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,114Total interest income
$231Total interest expense
$3,883Net interest income
$0Provision for loan and lease losses
$137,345Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$137,345Additional noninterest income
$119,120Total noninterest expense
$36,284Salaries and employee benefits
$16,524Premises and equipment expense
$66,312Additional noninterest expense
$22,108Pre-tax net operating income
-$179Securities gains (losses)
$8,443Applicable income taxes
$13,486Income before extraordinary items
$0Extraordinary gains - net
$13,486Net income attributable to bank
$0Net charge-offs
$13,486Cash dividends
$0Sale, conversion, retirement of capital stock, net
$36,000Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.40%Yield on earning assets
0.19%Cost of funding earning assets
3.21%Net interest margin
113.54%Noninterest income to earning assets
98.48%Noninterest expense to earning assets
9.00%Net operating income to assets
8.93%Return on assets (ROA)
14.52%Pretax return on assets
16.35%Return on equity (ROE)
-27.30%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
84,346Assets per employee
0.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
266.94%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
35.51%Core capital (leverage) ratio
34.76%Tier 1 risk-based capital ratio
160.14%Total risk-based capital ratio
Memoranda
$162Average assets
$151,035Average earning assets
$82,481Average equity
$120,963Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$12,275,930Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
6138Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$12,275,930Other retirement accounts
$0Corporate trust and agency accounts
$12,218,981Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
75636
Capital Bank And Trust Company
6455 Irvine Center Drive, Irvine, CA 92618
July 01, 2000
Full Service Brick and Mortar
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