FDIC Certificate #: 57734 Status: Active Federal Reserve ID: 3320576 Date Established: Febuary 01, 2005 WWW:http://www.bankexcel.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 423248 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: Febuary 01, 2005 Last Structure Change Effective Date: October 18, 2011 Last Structure Change Process Date: November 15, 2011 Last Data Update: November 15, 2011 Data Source Date: April 05, 2012
Location
Address: 9701 Wilshire Boulevard, Beverly Hills, CA 90210 County: Los Angeles Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Los Angeles (West) 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)
History of Changes
Name Change
Financial Summary
Total assets: $182.7 mil Equity capital: $26.0 mil Deposits held in domestic offices: $154.0 mil Return on assets (ROA): -5.71% (-$10.4 mil) Quarterly return on assets: -2.53% (-$4.6 mil) Return on Equity (ROE): -48.91% (-$12.7 mil) Quarterly return on equity: -17.55% (-$4.6 mil) Net income: -$10.7 mil Quarterly Net income: -$1.2 mil Pretax return on assets: -5.75% (-$10,504.0 mil) Quarterly Pretax return on assets: -2.57% (-$4,694.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
43Total employees (full-time equivalent)
$182,679Total assets
$16,756Cash and due from depository institutions
$16,098Interest-bearing balances
$6,022Securities
$0Federal funds sold & reverse repurchase agreements
$135,405Net loans & leases
$9,602Loan loss allowance
$0Trading account assets
$449Bank premises and fixed assets
$824Other real estate owned
$8,007Goodwill and other intangibles
$182,679Life insurance assets
$15,216All other assets
$156,683Total liabilities and capital
$154,013Total liabilities
$146,275Total deposits
$154,013Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,670Subordinated debt
$25,996All other liabilities
$25,996Total equity capital
$25,996Total bank equity capital
$0Perpetual preferred stock
$23,466Common stock
$21,115Surplus
$-18,585Undivided profits
Memoranda
$0Noncurrent loans and leases
$13,469Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$34,004Income earned, not collected on loans
$34,004Earning assets
$391Long-term assets (5+ years)
$157,525Average Assets, year-to-date
$23,540Average Assets, quarterly
$188,053Volatile liabilities
$185,127Insider loans
$152,298FHLB advances
$185,004Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$22,485Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,672Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,171Total interest income
$1,827Total interest expense
$7,344Net interest income
$9,614Provision for loan and lease losses
$3,630Total noninterest income
$0Fiduciary activities
$6Service charges on deposit accounts
$0Trading account gains & fees
$3,624Additional noninterest income
$12,182Total noninterest expense
$4,289Salaries and employee benefits
$1,245Premises and equipment expense
$6,648Additional noninterest expense
-$10,822Pre-tax net operating income
$0Securities gains (losses)
-$88Applicable income taxes
-$10,734Income before extraordinary items
$0Extraordinary gains - net
-$10,734Net income attributable to bank
$0Net charge-offs
-$10,734Cash dividends
$6,972Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.60%Yield on earning assets
1.12%Cost of funding earning assets
4.49%Net interest margin
2.22%Noninterest income to earning assets
7.44%Noninterest expense to earning assets
-5.71%Net operating income to assets
-5.71%Return on assets (ROA)
-5.75%Pretax return on assets
-48.91%Return on equity (ROE)
-48.91%Retained earnings to average equity (YTD only)
4.58%Net charge-offs to loans
137.89%Credit loss provision to net charge-offs
-0.17%Efficiency ratio
111,008Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.62%Loss allowance to noncurrent loans
28.24%Noncurrent assets plus other real estate owned to assets
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