FDIC Certificate #: 24005 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BYL Bank Group (#23063) Federal Reserve ID: 939061 Date Established: July 12, 1982 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) OTS Docket #: 10353 FDIC's unique #: 16741 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: July 12, 1982 Last Structure Change Effective Date: May 29, 1998 Last Structure Change Process Date: June 24, 1998 Last Data Update: June 24, 1998 Data Source Date: April 05, 2012
Location
Address: 7710 Limonite Avenue, Indian Hills, CA 92509 County: Riverside 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): 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: $71.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
48Total employees (full-time equivalent)
$71,542Total assets
$7,925Cash and due from depository institutions
$3,219Interest-bearing balances
$16,989Securities
$0Federal funds sold & reverse repurchase agreements
$45,000Net loans & leases
$402Loan loss allowance
$0Trading account assets
$803Bank premises and fixed assets
$156Other real estate owned
$21Goodwill and other intangibles
$0Life insurance assets
$648All other assets
$71,542Total liabilities and capital
$65,247Total liabilities
$65,116Total deposits
$49,509Interest-bearing deposits
$65,116Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$131All other liabilities
$6,295Total equity capital
$6,295Total bank equity capital
$6,295Perpetual preferred stock
$0Common stock
$1,416Surplus
$1,416Undivided profits
Memoranda
$3,463Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$332Earning assets
$0Long-term assets (5+ years)
$268Average Assets, year-to-date
$65,208Average Assets, quarterly
$8,986Volatile liabilities
$68,844Insider loans
$71,007FHLB advances
$10,394Loans and leases held for sale
$1,299Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,036Total unused commitments
$0Restructured Loans and leases
$55,889Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$5,344Total interest income
$1,850Total interest expense
$3,494Net interest income
$45Provision for loan and lease losses
$1,118Total noninterest income
$0Fiduciary activities
$842Service charges on deposit accounts
$0Trading account gains & fees
$276Additional noninterest income
$3,473Total noninterest expense
$1,658Salaries and employee benefits
$587Premises and equipment expense
$1,228Additional noninterest expense
$1,094Pre-tax net operating income
$0Securities gains (losses)
$358Applicable income taxes
$736Income before extraordinary items
$0Extraordinary gains - net
$736Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$49Sale, conversion, retirement of capital stock, net
$212Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.46%Yield on earning assets
2.93%Cost of funding earning assets
5.53%Net interest margin
1.77%Noninterest income to earning assets
5.50%Noninterest expense to earning assets
1.07%Net operating income to assets
1.07%Return on assets (ROA)
1.59%Pretax return on assets
12.40%Return on equity (ROE)
8.83%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
91.84%Credit loss provision to net charge-offs
23.24%Efficiency ratio
75,173Assets per employee
1.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.80%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
121.08%Noncurrent assets plus other real estate owned to assets
0.68%Noncurrent loans to loans
0.73%Net loans and leases to deposits
69.11%Net loans and leases to core deposits
82.23%Equity capital to assets
8.80%Core capital (leverage) ratio
8.66%Tier 1 risk-based capital ratio
11.20%Total risk-based capital ratio
Memoranda
$12Average assets
$68,844Average earning assets
$5,937Average equity
$63,191Average loans
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