FDIC Certificate #: 26271 Status: Active Federal Reserve ID: 118660 Bank Holding Company (Regulatory Top Holder): La Jolla Pacific Bancorp (RSSDID: 3680962, Location: San Diego, CA) Date Established: October 31, 1981 WWW:http://www.homebankofcalifornia.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) OTS Docket #: 15532 FDIC's unique #: 32632 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: June 03, 1985 Last Structure Change Effective Date: July 02, 2009 Last Structure Change Process Date: July 02, 2009 Last Data Update: July 02, 2009 Data Source Date: April 05, 2012
Location
Address: 875 Garnet Avenue, San Diego, CA 92109 County: San Diego 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): San Diego, CA (#7320) Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740) CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
Financial Summary
Total assets: $128.1 mil Equity capital: $19.5 mil Deposits held in domestic offices: $81.2 mil Return on assets (ROA): 2.06% ($2.6 mil) Quarterly return on assets: 2.28% ($2.9 mil) Return on Equity (ROE): 15.28% ($2.9 mil) Quarterly return on equity: 15.42% ($2.9 mil) Net income: $2.8 mil Quarterly Net income: $0.7 mil Pretax return on assets: 2.09% ($2,677.3 mil) Quarterly Pretax return on assets: 2.32% ($2,971.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
18Total employees (full-time equivalent)
$128,100Total assets
$14,516Cash and due from depository institutions
$13,597Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$107,812Net loans & leases
$1,548Loan loss allowance
$0Trading account assets
$97Bank premises and fixed assets
$3,167Other real estate owned
$0Goodwill and other intangibles
$128,100Life insurance assets
$2,508All other assets
$108,607Total liabilities and capital
$81,236Total liabilities
$80,143Total deposits
$81,236Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$25,000Trading liabilities
$0Other borrowed funds
$2,371Subordinated debt
$19,493All other liabilities
$19,493Total equity capital
$19,493Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$550Surplus
$18,143Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,451Income earned, not collected on loans
$0Earning assets
$582Long-term assets (5+ years)
$121,409Average Assets, year-to-date
$4,045Average Assets, quarterly
$136,743Volatile liabilities
$129,866Insider loans
$100,950FHLB advances
$130,744Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,493Tier 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
$9,256Total interest income
$2,996Total interest expense
$6,260Net interest income
$396Provision for loan and lease losses
$410Total noninterest income
$0Fiduciary activities
$18Service charges on deposit accounts
$0Trading account gains & fees
$392Additional noninterest income
$3,414Total noninterest expense
$1,793Salaries and employee benefits
$422Premises and equipment expense
$1,199Additional noninterest expense
$2,860Pre-tax net operating income
$0Securities gains (losses)
$39Applicable income taxes
$2,821Income before extraordinary items
$0Extraordinary gains - net
$2,821Net income attributable to bank
$0Net charge-offs
$2,821Cash dividends
$954Sale, conversion, retirement of capital stock, net
$730Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.13%Yield on earning assets
2.31%Cost of funding earning assets
4.82%Net interest margin
0.32%Noninterest income to earning assets
2.63%Noninterest expense to earning assets
2.06%Net operating income to assets
2.06%Return on assets (ROA)
2.09%Pretax return on assets
15.28%Return on equity (ROE)
11.33%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
41.51%Credit loss provision to net charge-offs
3.41%Efficiency ratio
51,184Assets per employee
7.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.88%Loss allowance to loans
1.42%Loss allowance to noncurrent loans
34.78%Noncurrent assets plus other real estate owned to assets
5.95%Noncurrent loans to loans
4.07%Net loans and leases to deposits
132.71%Net loans and leases to core deposits
136.33%Equity capital to assets
15.22%Core capital (leverage) ratio
14.91%Tier 1 risk-based capital ratio
19.31%Total risk-based capital ratio
Memoranda
$21Average assets
$136,743Average earning assets
$18,460Average equity
$129,835Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
32632
Home Bank Of California
875 Garnet Avenue, San Diego, CA 92109
October 31, 1981
Full Service Brick and Mortar
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