FDIC Certificate #: 58234 Status: Active Federal Reserve ID: 3546862 Date Established: December 27, 2006 WWW:http://www.pacificalliancebank.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 #: 443971 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: December 27, 2006 Last Structure Change Effective Date: Febuary 15, 2012 Last Structure Change Process Date: March 13, 2012 Last Data Update: March 13, 2012 Data Source Date: April 05, 2012
Location
Address: 8400 East Valley Boulevard, Rosemead, CA 91770 County: Los Angeles Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Los Angeles (North) 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)
Financial Summary
Total assets: $116.6 mil Equity capital: $12.9 mil Deposits held in domestic offices: $99.2 mil Return on assets (ROA): 0.58% ($0.7 mil) Quarterly return on assets: 1.07% ($1.3 mil) Return on Equity (ROE): 4.93% ($0.6 mil) Quarterly return on equity: 9.37% ($1.2 mil) Net income: $0.6 mil Quarterly Net income: $0.3 mil Pretax return on assets: 0.58% ($676.2 mil) Quarterly Pretax return on assets: 1.07% ($1,247.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
28Total employees (full-time equivalent)
$116,594Total assets
$1,926Cash and due from depository institutions
$445Interest-bearing balances
$11,603Securities
$18,150Federal funds sold & reverse repurchase agreements
$82,187Net loans & leases
$2,152Loan loss allowance
$0Trading account assets
$819Bank premises and fixed assets
$0Other real estate owned
$378Goodwill and other intangibles
$116,594Life insurance assets
$1,531All other assets
$103,678Total liabilities and capital
$99,185Total liabilities
$90,625Total deposits
$99,185Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$493Subordinated debt
$12,916All other liabilities
$12,916Total equity capital
$12,916Total bank equity capital
$0Perpetual preferred stock
$18,237Common stock
$1,510Surplus
$-6,831Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,724Income earned, not collected on loans
$0Earning assets
$389Long-term assets (5+ years)
$112,385Average Assets, year-to-date
$11,319Average Assets, quarterly
$106,060Volatile liabilities
$112,558Insider loans
$82,415FHLB advances
$111,865Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,849Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,323Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,769Total interest income
$935Total interest expense
$3,834Net interest income
$927Provision for loan and lease losses
$2,138Total noninterest income
$0Fiduciary activities
$15Service charges on deposit accounts
$0Trading account gains & fees
$2,123Additional noninterest income
$4,511Total noninterest expense
$2,499Salaries and employee benefits
$466Premises and equipment expense
$1,546Additional noninterest expense
$534Pre-tax net operating income
$85Securities gains (losses)
$0Applicable income taxes
$619Income before extraordinary items
$0Extraordinary gains - net
$619Net income attributable to bank
$0Net charge-offs
$619Cash dividends
$331Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.67%Yield on earning assets
0.92%Cost of funding earning assets
3.76%Net interest margin
2.09%Noninterest income to earning assets
4.42%Noninterest expense to earning assets
0.50%Net operating income to assets
0.58%Return on assets (ROA)
0.58%Pretax return on assets
4.93%Return on equity (ROE)
4.93%Retained earnings to average equity (YTD only)
0.44%Net charge-offs to loans
280.06%Credit loss provision to net charge-offs
4.41%Efficiency ratio
75,536Assets per employee
4.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.55%Loss allowance to noncurrent loans
124.83%Noncurrent assets plus other real estate owned to assets
1.48%Noncurrent loans to loans
2.04%Net loans and leases to deposits
82.86%Net loans and leases to core deposits
93.77%Equity capital to assets
11.08%Core capital (leverage) ratio
11.49%Tier 1 risk-based capital ratio
15.59%Total risk-based capital ratio
Memoranda
$17Average assets
$106,060Average earning assets
$12,552Average equity
$102,067Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
443971
Pacific Alliance Bank
8400 East Valley Boulevard, Rosemead, CA 91770
December 27, 2006
Full Service Brick and Mortar
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