Luther Burbank Savings in Santa Rosa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Luther Burbank Savings in Santa Rosa, California (CA)
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Luther Burbank Savings - Overview

  • General
  • FDIC Certificate #: 32178
    Status: Active
    Federal Reserve ID: 497570
    Date Established: January 01, 1982
    WWW: http://www.lutherburbanksavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 7960
    FDIC's unique #: 45012
    Numeric code: 37
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 07, 1983
    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: 804 4th Street, Santa Rosa, CA 95404
    County: Sonoma
    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): Santa Rosa, CA (#7500)
    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): Santa Rosa-Petaluma, CA (#42220)
    CBSA Metro Statistical Area: Santa Rosa-Petaluma, CA (#42220)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $3,832.6 mil
    Equity capital: $404.9 mil
    Deposits held in domestic offices: $3,166.6 mil
    Return on assets (ROA): 1.77% ($67.8 mil)
    Quarterly return on assets: 1.05% ($40.2 mil)
    Return on Equity (ROE): 16.40% ($66.4 mil)
    Quarterly return on equity: 9.88% ($40.0 mil)
    Net income: $64.3 mil
    Quarterly Net income: $9.9 mil
    Pretax return on assets: 1.82% ($69,753.7 mil)
    Quarterly Pretax return on assets: 1.06% ($40,625.8 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
  • 181Total employees (full-time equivalent)
  • $3,832,620Total assets
  • $270,608Cash and due from depository institutions
  • $269,934Interest-bearing balances
  • $165,986Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,312,225Net loans & leases
  • $50,777Loan loss allowance
  • $0Trading account assets
  • $8,758Bank premises and fixed assets
  • $6,045Other real estate owned
  • $3,297Goodwill and other intangibles
  • $3,832,620Life insurance assets
  • $65,701All other assets
  • $3,427,719Total liabilities and capital
  • $3,166,632Total liabilities
  • $3,148,524Total deposits
  • $3,166,632Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $238,614Trading liabilities
  • $0Other borrowed funds
  • $22,473Subordinated debt
  • $404,901All other liabilities
  • $404,901Total equity capital
  • $404,901Total bank equity capital
  • $0Perpetual preferred stock
  • $1,680Common stock
  • $132,855Surplus
  • $270,366Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $64,113Income earned, not collected on loans
  • $0Earning assets
  • $12,995Long-term assets (5+ years)
  • $3,748,145Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $3,629,344Volatile liabilities
  • $3,764,906Insider loans
  • $2,473,746FHLB advances
  • $3,829,161Loans and leases held for sale
  • $16,053Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $401,448Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $43,819Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $177,101Total interest income
  • $39,018Total interest expense
  • $138,083Net interest income
  • $42,800Provision for loan and lease losses
  • $2,726Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,726Additional noninterest income
  • $31,972Total noninterest expense
  • $17,968Salaries and employee benefits
  • $4,634Premises and equipment expense
  • $9,370Additional noninterest expense
  • $66,037Pre-tax net operating income
  • $28Securities gains (losses)
  • $1,749Applicable income taxes
  • $64,316Income before extraordinary items
  • $0Extraordinary gains - net
  • $64,316Net income attributable to bank
  • $0Net charge-offs
  • $64,316Cash dividends
  • $31,482Sale, conversion, retirement of capital stock, net
  • $34,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 0.90%Noninterest expense to earning assets
  • 1.77%Net operating income to assets
  • 1.77%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 16.40%Return on equity (ROE)
  • 7.58%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 135.95%Credit loss provision to net charge-offs
  • 3.46%Efficiency ratio
  • 22,706Assets per employee
  • 21.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.80%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 79.20%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 1.91%Net loans and leases to deposits
  • 104.60%Net loans and leases to core deposits
  • 133.73%Equity capital to assets
  • 10.56%Core capital (leverage) ratio
  • 10.48%Tier 1 risk-based capital ratio
  • 16.23%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $3,629,344Average earning assets
  • $392,250Average equity
  • $3,540,694Average loans

List of branches

  • 7 California Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    045012Luther Burbank Savings804 4th Street, Santa Rosa, CA 95404January 01, 1982Full Service Brick and Mortar
    10144874New Horizons Branch1050 Fourth Street, San Rafael, CA 94901January 01, 1978Full Service Brick and Mortar
    104447926Los Altos Branch4546 El Camino Real, Los Altos, CA 94022September 16, 2000Full Service Brick and Mortar
    105492483Encino Branch16600 Ventura Blvd, Encino, CA 91436August 13, 2007Full Service Brick and Mortar
    106492484Toluca Lake Branch4100 West Alameda Ave, Burbank, CA 91505January 07, 2008Full Service Brick and Mortar
    107495852West Alameda Ave Branch172 S Lake Ave, Pasadena, CA 91101May 26, 2009Full Service Brick and Mortar
    108518108Beverly Hills Branch8401 Wilshire Blvd, Beverly Hills, CA 90211May 18, 2010Full Service Brick and Mortar

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