Chino Commercial Bank, N.A. in Chino, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Chino Commercial Bank, N.A. - Overview

  • General
  • FDIC Certificate #: 35366
    Status: Active
    Federal Reserve ID: 2925620
    Bank Holding Company (Regulatory Top Holder): Chino Commercial Bancorp (RSSDID: 3441275, Location: Chino, CA)
    Date Established: September 01, 2000
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 78830
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 01, 2000
    Last Structure Change Effective Date: January 06, 2011
    Last Structure Change Process Date: January 28, 2011
    Last Data Update: January 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 14245 Pipeline Avenue, Chino, CA 91710
    County: San Bernardino
    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): Riverside-San Bernardino, CA (#6780)
    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): Riverside-San Bernardino-Ontario, CA (#40140)
    CBSA Metro Statistical Area: Riverside-San Bernardino-Ontario, CA (#40140)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $109.6 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $98.1 mil
    Return on assets (ROA): 0.61% ($0.7 mil)
    Quarterly return on assets: 0.83% ($0.9 mil)
    Return on Equity (ROE): 6.50% ($0.7 mil)
    Quarterly return on equity: 8.51% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.96% ($1,052.2 mil)
    Quarterly Pretax return on assets: 1.33% ($1,457.8 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
  • 31Total employees (full-time equivalent)
  • $109,606Total assets
  • $30,813Cash and due from depository institutions
  • $27,460Interest-bearing balances
  • $12,625Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $55,236Net loans & leases
  • $1,538Loan loss allowance
  • $0Trading account assets
  • $6,437Bank premises and fixed assets
  • $439Other real estate owned
  • $0Goodwill and other intangibles
  • $109,606Life insurance assets
  • $4,006All other assets
  • $99,020Total liabilities and capital
  • $98,129Total liabilities
  • $50,915Total deposits
  • $98,129Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $891Subordinated debt
  • $10,586All other liabilities
  • $10,586Total equity capital
  • $10,586Total bank equity capital
  • $0Perpetual preferred stock
  • $2,750Common stock
  • $2,762Surplus
  • $5,074Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,605Income earned, not collected on loans
  • $0Earning assets
  • $276Long-term assets (5+ years)
  • $95,371Average Assets, year-to-date
  • $38,708Average Assets, quarterly
  • $109,729Volatile liabilities
  • $107,816Insider loans
  • $68,948FHLB advances
  • $107,137Loans and leases held for sale
  • $1,819Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,506Tier 2 risk-based capital
  • $1,819Total risk weighted assets
  • $0Total unused commitments
  • $3,556Restructured Loans and leases
  • $1,262Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,329Total interest income
  • $397Total interest expense
  • $3,932Net interest income
  • $282Provision for loan and lease losses
  • $1,337Total noninterest income
  • $0Fiduciary activities
  • $1,173Service charges on deposit accounts
  • $0Trading account gains & fees
  • $164Additional noninterest income
  • $3,935Total noninterest expense
  • $2,144Salaries and employee benefits
  • $429Premises and equipment expense
  • $1,362Additional noninterest expense
  • $1,052Pre-tax net operating income
  • $0Securities gains (losses)
  • $386Applicable income taxes
  • $666Income before extraordinary items
  • $0Extraordinary gains - net
  • $666Net income attributable to bank
  • $0Net charge-offs
  • $666Cash dividends
  • $186Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 4.14%Net interest margin
  • 1.41%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 6.50%Return on equity (ROE)
  • 6.50%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 151.61%Credit loss provision to net charge-offs
  • 7.17%Efficiency ratio
  • 74,682Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.71%Loss allowance to noncurrent loans
  • 42.66%Noncurrent assets plus other real estate owned to assets
  • 3.69%Noncurrent loans to loans
  • 6.35%Net loans and leases to deposits
  • 56.29%Net loans and leases to core deposits
  • 59.59%Equity capital to assets
  • 9.66%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 15.24%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $109,729Average earning assets
  • $10,248Average equity
  • $94,925Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078830Chino Commercial Bank, N.A.14245 Pipeline Avenue, Chino, CA 91710September 01, 2000Full Service Brick and Mortar
    1447890Ontario Branch Office1551 South Grove Avenue, Ontario, CA 91761January 05, 2006Full Service Brick and Mortar
    2507785Rancho Cucamonga Branch8229 Rochester Avenue, Rancho Cucamonga, CA 91730April 05, 2010Full Service Brick and Mortar

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