California First National Bank in Irvine, California (CA)

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California First National Bank
GeneralFDIC Certificate #: 35331
Status: Active
Federal Reserve ID: 2907439
Bank Holding Company (Regulatory Top Holder): California First National Bancorp (RSSDID: 2907381, Location: Irvine, CA)
Date Established: May 23, 2001
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 78237
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: May 23, 2001
Last Structure Change Effective Date: October 31, 2011
Last Structure Change Process Date: January 10, 2012
Last Data Update: January 10, 2012
Data Source Date: April 05, 2012
LocationAddress: 18201 Von Karman Avenue, Suite 800, Irvine, CA 92612
County: Orange
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): Orange County, CA (#5945)
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: Santa Ana-Anaheim-Irvine, CA (#42044)
History of ChangesChange in Location
Financial SummaryTotal assets: $357.0 mil
Equity capital: $80.9 mil
Deposits held in domestic offices: $267.1 mil
Return on assets (ROA): 1.60% ($5.7 mil)
Quarterly return on assets: 1.26% ($4.5 mil)
Return on Equity (ROE): 7.34% ($5.9 mil)
Quarterly return on equity: 5.78% ($4.7 mil)
Net income: $5.8 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 2.43% ($8,675.8 mil)
Quarterly Pretax return on assets: 1.94% ($6,926.3 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)
Total employees (full-time equivalent)49
Total assets$357,027
Cash and due from depository institutions$36,543
Interest-bearing balances$35,853
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$254,759
Loan loss allowance $3,577
Trading account assets$0
Bank premises and fixed assets$8
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$12,708
Life insurance assets$357,027
Total liabilities and capital$276,171
Total liabilities$267,127
Total deposits$262,553
Interest-bearing deposits$267,127
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $9,044
All other liabilities $80,856
Total equity capital$80,856
Total bank equity capital$80,856
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $25,691
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $124
Earning assets $0
Long-term assets (5+ years) $1,082
Average Assets, year-to-date $343,621
Average Assets, quarterly $468
Volatile liabilities $362,746
Insider loans $369,497
FHLB advances $360,541
Loans and leases held for sale $380,342
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $80,741
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $80,534
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $16,509
Total interest expense $3,518
Net interest income $12,991
Provision for loan and lease losses $0
Total noninterest income $518
Fiduciary activities $0
Service charges on deposit accounts $3
Trading account gains & fees $0
Additional noninterest income $515
Total noninterest expense $4,743
Salaries and employee benefits $2,427
Premises and equipment expense $220
Additional noninterest expense $2,096
Pre-tax net operating income $8,766
Securities gains (losses) $56
Applicable income taxes $3,035
Income before extraordinary items $5,787
Extraordinary gains - net $0
Net income attributable to bank $5,787
Net charge-offs $0
Cash dividends $5,787
Sale, conversion, retirement of capital stock, net -$41
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.73%
Cost of funding earning assets 1.01%
Net interest margin 3.72%
Noninterest income to earning assets 0.15%
Noninterest expense to earning assets 1.36%
Net operating income to assets 1.59%
Return on assets (ROA) 1.60%
Pretax return on assets 2.43%
Return on equity (ROE) 7.34%
Retained earnings to average equity (YTD only) 7.34%
Net charge-offs to loans -0.02%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$35,110
Cash dividends to net income (YTD only)7.29%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.38%
Noncurrent assets plus other real estate owned to assets 2884.68%
Noncurrent loans to loans 0.03%
Net loans and leases to deposits0.05%
Net loans and leases to core deposits 95.37%
Equity capital to assets 104.34%
Core capital (leverage) ratio 22.65%
Tier 1 risk-based capital ratio 21.23%
Total risk-based capital ratio 22.39%
Average assets$23
Average earning assets$362,746
Average equity $78,882
Average loans $348,949
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1 California Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
078237California First National Bank18201 Von Karman Avenue, Suite 800, Irvine, CA 92612May 23, 2001Full Service Brick and Mortar
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