3501 JAMBOREE ROAD
NEWPORT BEACH , CA   92658
Docket Number: 6189
for the quarter ending: 06/30/2008
Office of Thrift Supervision 
2008 Thrift Financial Report 
Schedule - CCR  
Consolidated Capital Requirement   
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TIER 1 (CORE) CAPITAL REQUIREMENT: Lines (Report in Thousands of Dollars)
     
Tier 1 (Core) Capital    
    Equity Capital (SC80) CCR100 1,008,642
    Deduct:    
Investments in and Advances to "Nonincludable" Subsidiaries CCR105 55,210
Goodwill and Certain Other Intangible Assets CCR115 0
Disallowed Servicing Assets, Disallowed Deferred Tax Assets, Disallowed Residual Interests, and Other Disallowed Assets CCR133 2,356
Other CCR134 0
  Add:    
    Accumulated Losses (Gains) on Certain Available-for-Sale Securities and Cash Flow Hedges, Net of Taxes CCR180 304
    Intangible Assets CCR185 0
    Minority Interest in Includable Consolidated Subsidiaries Including REIT
       Preferred Stock Reported as a Borrowing
CCR190 0
    Other CCR195 0
Tier 1 (Core) Capital (100-105-115-133-134+180+185+190+195) CCR20 951,380
     
Adjusted Total Assets    
Total Assets (SC60) CCR205 12,630,056
  Deduct:    
    Assets of "Nonincludable" Subsidiaries CCR260 58,701
    Goodwill and Certain Other Intangible Assets CCR265 0
    Disallowed Servicing Assets, Disallowed Deferred Tax Assets, Disallowed Residual Interests, and Other Disallowed Assets CCR270 2,356
    Other CCR275 0
  Add:    
    Accumulated Losses (Gains) on Certain Available-for-Sale Securities and Cash Flow Hedges CCR280 304
    Intangible Assets CCR285 0
    Other CCR290 0
Adjusted Total Assets (205-260-265-270-275+280+285+290) CCR25 12,569,303
     
Tier 1 (Core) Capital Requirement (25 x 4%) CCR27 502,772

TOTAL RISK-BASED CAPITAL REQUIREMENT: Lines (Report in Thousands of Dollars)
     
Tier 1 (Core) Capital (20) CCR30 951,380
Tier 2 (Supplementary) Capital:    
  Unrealized Gains on Available-for-Sale Equity Securities CCR302 0
  Qualifying Subordinated Debt and Redeemable Preferred Stock CCR310 0
  Other Equity Instruments CCR340 0
  Allowances for Loan and Lease Losses CCR350 95,763
  Other CCR355 0
Tier 2 (Supplementary) Capital (302 + 310 + 340 + 350 + 355) CCR33 95,763
     
     
Allowable Tier 2 (Supplementary) Capital CCR35 95,763
     
Equity Investments and Other Assets Required to be Deducted CCR370 0
Deduction for Low-Level Recourse and Residual Interests CCR375 0
     
Total Risk-based Capital (30 + 35 - 370 - 375) CCR39 1,047,143
     
Risk-Weight Categories    
0% Risk-Weight:    
  Cash CCR400 24,267
  Securities Backed by Full Faith and Credit of U.S. Government CCR405 0
  Notes and Obligations of FDIC, Including Covered Assets CCR409 0
  Other CCR415 11,438
  Total (400 + 405 + 409 + 415) CCR420 35,705
0% Risk-Weight Total (420 x 0%) CCR40 0
     
     
20% Risk-Weight:    
  Mortgage and Asset-Backed Securities Eligible for 20% Risk Weight CCR430 0
  Claims on FHLBs CCR435 90,985
  General Obligations of State and Local Governments CCR440 0
  Claims on Domestic Depository Institutions CCR445 46,383
  Other CCR450 987,496
  Total (430 + 435 + 440 + 445 + 450) CCR455 1,124,864
20% Risk-Weight Total (455 x 20%) CCR45 224,973
     
50% Risk-Weight:    
  Qualifying Single-Family Residential Mortgage Loans CCR460 9,121,650
  Qualifying Multifamily Residential Mortgage Loans CCR465 22,191
  Mortgage and Asset-Backed Securites Eligible for 50% Risk Weight CCR470 106
  State and Local Revenue Bonds CCR475 0
  Other CCR480 0
  Total (460 + 465 + 470 + 475 + 480) CCR485 9,143,947
50% Risk-Weight Total (485 x 50%) CCR50 4,571,974
     
100% Risk-Weight:    
  Securities Risk Weighted at 100% (or More) Under the Ratings-Based Approach CCR501 0
  All Other Assets CCR506 2,864,083
  Total (501 + 506) CCR510 2,864,083
100% Risk-Weight Total (510 x 100%) CCR55 2,864,083
     
     
  Amount of Low-Level Recourse and Residual Interests Before Risk-Weighting CCR605 0
Risk-Weighted Assets for Low-Level Recourse and Residual Interests (605 x 12.50) CCR62 0
     
Assets to Risk-Weight (420 + 455 + 485 + 510 + 605) CCR64 13,168,599
Subtotal Risk-Weighted Assets (40 + 45 + 50 + 55 + 62) CCR75 7,661,029
  Excess Allowances for Loan and Lease Losses CCR530 467,453
Total Risk-Weighted Assets (75 - 530) CCR78 7,193,576
Total Risk-Based Capital Requirement (78 x 8%) CCR80 575,486
     
CAPITAL AND PROMPT CORRECTIVE ACTION RATIOS:    
Tier 1 (Core) Capital Ratio CCR810 7.57 %
  (Tier 1 (Core) Capital / Adjusted Total Assets)    
     
Total Risk-Based Capital Ratio CCR820 14.56 %
  (Total Risk-Based Capital / Risk-Weighted Assets)    
     
Tier 1 Risk-Based Capital Ratio CCR830 13.23 %
   ((Tier 1 (Core) Capital – Deduction for Low-level Recourse and Residual Interests) / Risk-Weighted Assets)    
     
Tangible Equity Ratio CCR840 7.57 %
  ((Tangible Capital + Cumulative Perpetual Preferred Stock) / Tangible Assets)