FDIC Certificate #: 58474 Status: Active Federal Reserve ID: 3550579 Date Established: January 16, 2007 WWW:http://www.focusbusinessbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 453012 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: January 16, 2007 Last Structure Change Effective Date: January 17, 2007 Last Structure Change Process Date: January 17, 2007 Last Data Update: January 17, 2007 Data Source Date: April 05, 2012
Location
Address: 10 Almaden Boulevard, Suite 150, San Jose, CA 95113 County: Santa Clara Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: San Francisco Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): San Jose, CA (#7400) Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84) Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488) Core Based Statistical Area (CBSA): San Jose-Sunnyvale-Santa Clara, CA (#41940) CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $168.5 mil Equity capital: $22.6 mil Deposits held in domestic offices: $145.2 mil Return on assets (ROA): 0.41% ($0.7 mil) Quarterly return on assets: 0.60% ($1.0 mil) Return on Equity (ROE): 2.73% ($0.6 mil) Quarterly return on equity: 4.25% ($1.0 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.45% ($758.4 mil) Quarterly Pretax return on assets: 0.58% ($977.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$168,524Total assets
$45,215Cash and due from depository institutions
$40,906Interest-bearing balances
$26,205Securities
$505Federal funds sold & reverse repurchase agreements
$94,897Net loans & leases
$2,541Loan loss allowance
$0Trading account assets
$205Bank premises and fixed assets
$0Other real estate owned
$379Goodwill and other intangibles
$168,524Life insurance assets
$1,118All other assets
$145,898Total liabilities and capital
$145,182Total liabilities
$81,986Total deposits
$145,182Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$716Subordinated debt
$22,626All other liabilities
$22,626Total equity capital
$22,626Total bank equity capital
$0Perpetual preferred stock
$27,466Common stock
$2,307Surplus
$-7,147Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,044Income earned, not collected on loans
$0Earning assets
$413Long-term assets (5+ years)
$162,513Average Assets, year-to-date
$44,807Average Assets, quarterly
$146,468Volatile liabilities
$160,643Insider loans
$113,148FHLB advances
$159,534Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$22,044Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$31,105Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,275Total interest income
$428Total interest expense
$4,847Net interest income
$0Provision for loan and lease losses
$928Total noninterest income
$0Fiduciary activities
$96Service charges on deposit accounts
$0Trading account gains & fees
$832Additional noninterest income
$5,211Total noninterest expense
$2,763Salaries and employee benefits
$574Premises and equipment expense
$1,874Additional noninterest expense
$564Pre-tax net operating income
$99Securities gains (losses)
$62Applicable income taxes
$601Income before extraordinary items
$0Extraordinary gains - net
$601Net income attributable to bank
$0Net charge-offs
$601Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.73%Yield on earning assets
0.30%Cost of funding earning assets
3.43%Net interest margin
0.66%Noninterest income to earning assets
3.69%Noninterest expense to earning assets
0.35%Net operating income to assets
0.41%Return on assets (ROA)
0.45%Pretax return on assets
2.73%Return on equity (ROE)
2.73%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
90,234Assets per employee
7.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.61%Loss allowance to noncurrent loans
243.39%Noncurrent assets plus other real estate owned to assets
0.62%Noncurrent loans to loans
1.07%Net loans and leases to deposits
65.36%Net loans and leases to core deposits
68.98%Equity capital to assets
13.43%Core capital (leverage) ratio
13.82%Tier 1 risk-based capital ratio
19.48%Total risk-based capital ratio
Memoranda
$21Average assets
$146,468Average earning assets
$22,049Average equity
$141,404Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
453012
Focus Business Bank
10 Almaden Boulevard, Suite 150, San Jose, CA 95113
January 16, 2007
Full Service Brick and Mortar
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