FDIC Certificate #: 23234 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Inland Community Bank, National Association (#32916) Federal Reserve ID: 169569 Date Established: October 27, 1980 WWW:http://www.westernstatebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 16281 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: October 27, 1980 Last Structure Change Effective Date: August 12, 2006 Last Structure Change Process Date: September 19, 2006 Last Data Update: September 19, 2006 Data Source Date: April 05, 2012
Location
Address: 1801 Huntington Drive, Duarte, CA 91010 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: $51.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
25Total employees (full-time equivalent)
$50,997Total assets
$4,455Cash and due from depository institutions
$839Interest-bearing balances
$5,809Securities
$11,500Federal funds sold & reverse repurchase agreements
$27,045Net loans & leases
$928Loan loss allowance
$0Trading account assets
$1,234Bank premises and fixed assets
$0Other real estate owned
$47Goodwill and other intangibles
$0Life insurance assets
$907All other assets
$50,997Total liabilities and capital
$43,569Total liabilities
$43,257Total deposits
$30,214Interest-bearing deposits
$43,257Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$312All other liabilities
$7,428Total equity capital
$7,428Total bank equity capital
$7,428Perpetual preferred stock
$0Common stock
$10,859Surplus
$0Undivided profits
Memoranda
$-3,431Noncurrent loans and leases
$5,083Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$185Average Assets, year-to-date
$45,193Average Assets, quarterly
$498Volatile liabilities
$60,991Insider loans
$53,376FHLB advances
$7,033Loans and leases held for sale
$117Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,083Total unused commitments
$0Restructured Loans and leases
$411Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$3,595Total interest income
$880Total interest expense
$2,715Net interest income
$0Provision for loan and lease losses
$386Total noninterest income
$0Fiduciary activities
$233Service charges on deposit accounts
$0Trading account gains & fees
$153Additional noninterest income
$3,070Total noninterest expense
$1,740Salaries and employee benefits
$367Premises and equipment expense
$963Additional noninterest expense
$31Pre-tax net operating income
$0Securities gains (losses)
$1Applicable income taxes
$30Income before extraordinary items
$0Extraordinary gains - net
$30Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$47Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.54%Yield on earning assets
1.60%Cost of funding earning assets
4.94%Net interest margin
0.70%Noninterest income to earning assets
5.59%Noninterest expense to earning assets
0.05%Net operating income to assets
0.05%Return on assets (ROA)
0.05%Pretax return on assets
0.40%Return on equity (ROE)
0.40%Retained earnings to average equity (YTD only)
-0.13%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
99,000Assets per employee
2.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.32%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
62.52%Net loans and leases to core deposits
74.66%Equity capital to assets
14.57%Core capital (leverage) ratio
13.88%Tier 1 risk-based capital ratio
22.98%Total risk-based capital ratio
Memoranda
$24Average assets
$60,991Average earning assets
$7,414Average equity
$54,955Average loans
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