California First National Bank in Irvine, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • California First National Bank in Irvine, California (CA)
  • Show street view No street view available for this location

California First National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 49Total employees (full-time equivalent)
  • $357,027Total assets
  • $36,543Cash and due from depository institutions
  • $35,853Interest-bearing balances
  • $53,009Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $254,759Net loans & leases
  • $3,577Loan loss allowance
  • $0Trading account assets
  • $8Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $357,027Life insurance assets
  • $12,708All other assets
  • $276,171Total liabilities and capital
  • $267,127Total liabilities
  • $262,553Total deposits
  • $267,127Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $9,044Subordinated debt
  • $80,856All other liabilities
  • $80,856Total equity capital
  • $80,856Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $54,165Surplus
  • $25,691Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $124Income earned, not collected on loans
  • $0Earning assets
  • $1,082Long-term assets (5+ years)
  • $343,621Average Assets, year-to-date
  • $468Average Assets, quarterly
  • $362,746Volatile liabilities
  • $369,497Insider loans
  • $360,541FHLB advances
  • $380,342Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $80,741Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $80,534Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,509Total interest income
  • $3,518Total interest expense
  • $12,991Net interest income
  • $0Provision for loan and lease losses
  • $518Total noninterest income
  • $0Fiduciary activities
  • $3Service charges on deposit accounts
  • $0Trading account gains & fees
  • $515Additional noninterest income
  • $4,743Total noninterest expense
  • $2,427Salaries and employee benefits
  • $220Premises and equipment expense
  • $2,096Additional noninterest expense
  • $8,766Pre-tax net operating income
  • $56Securities gains (losses)
  • $3,035Applicable income taxes
  • $5,787Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,787Net income attributable to bank
  • $0Net charge-offs
  • $5,787Cash dividends
  • -$41Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 1.36%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.60%Return on assets (ROA)
  • 2.43%Pretax return on assets
  • 7.34%Return on equity (ROE)
  • 7.34%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 35,110Assets per employee
  • 7.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 2884.68%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 95.37%Net loans and leases to core deposits
  • 104.34%Equity capital to assets
  • 22.65%Core capital (leverage) ratio
  • 21.23%Tier 1 risk-based capital ratio
  • 22.39%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $362,746Average earning assets
  • $78,882Average equity
  • $348,949Average loans

List of branches

  • 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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with California First National Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents