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


  • California First National Bank in Irvine, California (CA)
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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
    WWW: http://www.calfirst.com
    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

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