Citizens Business Bank in Ontario, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Citizens Business Bank - Overview

  • General
  • FDIC Certificate #: 21716
    Status: Active
    Federal Reserve ID: 933966
    Bank Holding Company (Regulatory Top Holder): Cvb Financial Corp. (RSSDID: 1029222, Location: Ontario, CA)
    Date Established: August 09, 1974
    WWW: http://www.cbbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 46 (Domestic: 46, Interstate: No)
    OTS Docket #: 12237
    FDIC's unique #: 15031
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 09, 1974
    Last Structure Change Effective Date: March 30, 2011
    Last Structure Change Process Date: March 30, 2011
    Last Data Update: March 30, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 701 North Haven Avenue, Ontario, CA 91764
    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: $6,475.4 mil
    Equity capital: $808.4 mil
    Deposits held in domestic offices: $4,625.6 mil
    Return on assets (ROA): 1.37% ($88.7 mil)
    Quarterly return on assets: 1.40% ($90.7 mil)
    Return on Equity (ROE): 11.34% ($91.6 mil)
    Quarterly return on equity: 11.32% ($91.5 mil)
    Net income: $88.8 mil
    Quarterly Net income: $22.8 mil
    Pretax return on assets: 2.05% ($132,745.9 mil)
    Quarterly Pretax return on assets: 2.04% ($132,098.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 749Total employees (full-time equivalent)
  • $6,475,412Total assets
  • $405,343Cash and due from depository institutions
  • $369,941Interest-bearing balances
  • $2,203,909Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $3,388,638Net loans & leases
  • $93,964Loan loss allowance
  • $0Trading account assets
  • $33,689Bank premises and fixed assets
  • $23,601Other real estate owned
  • $60,645Goodwill and other intangibles
  • $6,475,413Life insurance assets
  • $359,587All other assets
  • $5,667,055Total liabilities and capital
  • $4,625,602Total liabilities
  • $2,597,492Total deposits
  • $4,625,602Interest-bearing deposits
  • $54Deposits held in domestic offices
  • 509370.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $448,662Trading liabilities
  • $0Other borrowed funds
  • $83,421Subordinated debt
  • $808,358All other liabilities
  • $808,358Total equity capital
  • $808,358Total bank equity capital
  • $0Perpetual preferred stock
  • $48,468Common stock
  • $236,962Surplus
  • $522,928Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,012Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $107,812Income earned, not collected on loans
  • $0Earning assets
  • $23,500Long-term assets (5+ years)
  • $5,962,488Average Assets, year-to-date
  • $3,273,721Average Assets, quarterly
  • $6,473,975Volatile liabilities
  • $6,498,743Insider loans
  • $4,062,237FHLB advances
  • $6,458,365Loans and leases held for sale
  • $116,132Unused loan commitments
  • $56,760Tier 1 (core) risk-based capital
  • $705,273Tier 2 risk-based capital
  • $54,946Total risk weighted assets
  • $4,426Total unused commitments
  • $585,210Restructured Loans and leases
  • $11,785Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $269,721Total interest income
  • $31,669Total interest expense
  • $238,052Net interest income
  • $7,068Provision for loan and lease losses
  • $44,252Total noninterest income
  • $7,358Fiduciary activities
  • $15,768Service charges on deposit accounts
  • $0Trading account gains & fees
  • $21,126Additional noninterest income
  • $141,669Total noninterest expense
  • $67,778Salaries and employee benefits
  • $16,364Premises and equipment expense
  • $57,527Additional noninterest expense
  • $133,567Pre-tax net operating income
  • -$656Securities gains (losses)
  • $44,161Applicable income taxes
  • $88,750Income before extraordinary items
  • $0Extraordinary gains - net
  • $88,750Net income attributable to bank
  • $0Net charge-offs
  • $88,750Cash dividends
  • $18,363Sale, conversion, retirement of capital stock, net
  • $68,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 2.05%Pretax return on assets
  • 11.34%Return on equity (ROE)
  • 2.65%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 38.49%Credit loss provision to net charge-offs
  • 7.66%Efficiency ratio
  • 48,950Assets per employee
  • 8.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.62%Loss allowance to loans
  • 2.70%Loss allowance to noncurrent loans
  • 87.16%Noncurrent assets plus other real estate owned to assets
  • 2.03%Noncurrent loans to loans
  • 3.10%Net loans and leases to deposits
  • 73.26%Net loans and leases to core deposits
  • 85.59%Equity capital to assets
  • 12.48%Core capital (leverage) ratio
  • 10.92%Tier 1 risk-based capital ratio
  • 17.36%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $6,473,975Average earning assets
  • $782,489Average equity
  • $5,887,566Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,650,772Managed Assets
  • 1Number of Accounts
  • $1,582,258Personal trust and agency accounts
  • $783,990Employee benefit-defined contribution accounts
  • $34,081Employee benefit-defined benefit accounts
  • $30,352Other retirement accounts
  • $48,639Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $607,116Other fiduciary accounts
  • $78,080Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 909Number of Accounts
  • $0Personal trust and agency accounts
  • $48,639Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $68,514Other retirement accounts
  • $3,374Corporate trust and agency accounts
  • $36,321Other fiduciary accounts
  • $26,781Fiduciary accounts held in foreign offices

List of branches

  • 46 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015031Citizens Business Bank701 North Haven Avenue, Ontario, CA 91764August 09, 1974Full Service Brick and Mortar
    1253324Corona Branch225 West Sixth Street, Corona, CA 92882Febuary 26, 1977Full Service Brick and Mortar
    2253325Upland Branch818 North Mountain Avenue, Upland, CA 91786September 15, 1980Full Service Brick and Mortar
    5245044Pomona Branch1095 North Garey Avenue, Pomona, CA 91767Febuary 21, 1958Full Service Brick and Mortar
    6253328Colton Branch308 North La Cadena Drive, Colton, CA 92324May 01, 1984Full Service Brick and Mortar
    717163Covina Branch973 East Badillo Street, Covina, CA 91724September 30, 1983Full Service Brick and Mortar
    8251530San Bernardino Branch1555 East Highland Avenue, San Bernardino, CA 92404Febuary 02, 1981Full Service Brick and Mortar
    916005Arcadia Branch101 W. Huntington Drive, Arcadia, CA 91007July 11, 1979Full Service Brick and Mortar
    11255566San Gabriel Branch109 South Del Mar Avenue, San Gabriel, CA 91776September 01, 1983Full Service Brick and Mortar
    12253329Chino Branch12808 Central Avenue, Chino, CA 91710October 16, 1987Full Service Brick and Mortar
    14253331Riverside Branch3695 Main Street, Riverside, CA 92501May 07, 1990Full Service Brick and Mortar
    15253332Tri City Branch301 Vanderbilt Way, San Bernardino, CA 92408September 10, 1990Full Service Brick and Mortar
    1617613Fontana Branch9244 Sierra Avenue, Fontana, CA 92335November 01, 1984Full Service Brick and Mortar
    1716996Brea Branch2650 East Imperial Highway, Brea, CA 92821April 11, 1983Full Service Brick and Mortar
    1916431Fullerton Business Financial Center301 N. Harbor Blvd Suite 101, Fullerton, CA 92832May 14, 1981Full Service Brick and Mortar
    2217089South El M0nte Branch9754 Rush Street, South El Monte, CA 91733July 12, 1983Full Service Brick and Mortar
    25188541La Canada Branch858 Foothill Boulevard, La Canada, CA 91011Febuary 02, 1959Full Service Brick and Mortar
    27248657San Marino Branch980 Huntington Drive, San Marino, CA 91108September 12, 1975Full Service Brick and Mortar
    28256435High Desert Branch12380 Hesperia Road, Suite 1, Victorville, CA 92395April 23, 1990Full Service Brick and Mortar
    33253337Glendale Branch1000 North Brand Boulevard, Glendale, CA 91202Febuary 01, 1999Full Service Brick and Mortar
    3416081Katella Branch1201 East Katella Avenue, Orange, CA 92867October 31, 1979Full Service Brick and Mortar
    35255742Plaza Branch77 Plaza Square, Orange, CA 92866October 31, 1983Full Service Brick and Mortar
    36255743Stadium Branch1800 West Katella Avenue, Orange, CA 92867May 23, 1988Full Service Brick and Mortar
    3816544Laguna Beach Branch800 Glenneyre Street, Laguna Beach, CA 92651December 01, 1981Full Service Brick and Mortar
    39256610Spectrum Business Financial Centr23046 Avendia De La Carlota Suite 100, Laguna Hills, CA 92653June 15, 1988Full Service Brick and Mortar
    4017344Burbank Branch4100 West Alameda Avenue, Burbank, CA 91505March 05, 1984Full Service Brick and Mortar
    41364719Bakersfield Branch9100 Ming Avenue, Suite 120, Bakersfield, CA 93311December 31, 2001Full Service Brick and Mortar
    42420134Fresno Business Financial Center7110 North First Street, Fresno, CA 93720July 01, 2003Full Service Brick and Mortar
    4346919Visalia Branch500 West Main Street, Visalia, CA 93291March 07, 1991Full Service Brick and Mortar
    44289475Tulare Branch256 North K Street, Tulare, CA 93274March 17, 1997Full Service Brick and Mortar
    45289476Porterville Branch334 North Main Street, Porterville, CA 93257October 26, 1998Full Service Brick and Mortar
    47433046Santa Ana Branch2000 East 4th Street, Suite 100, Santa Ana, CA 92705November 15, 2004Full Service Brick and Mortar
    4817399Monrovia Business Financial Center100 East Huntington Drive, Monrovia, CA 91016May 21, 1984Full Service Brick and Mortar
    49257884South Pasadena Branch901 Fair Oaks Avenue, South Pasadena, CA 91030August 15, 1994Full Service Brick and Mortar
    50440125Madera Business Financial Center2001 Howard Road Suite 101, Madera, CA 93637May 02, 2005Full Service Brick and Mortar
    51442547Colorado-Catalina Branch1010 Colorado Boulevard, Pasadena, CA 91106July 31, 2004Full Service Brick and Mortar
    5532066Manhattan Beach1800 N. Sepulveda Boulevard, Manhattan Beach, CA 90266November 29, 1984Full Service Brick and Mortar
    5717332South Bay Commercial Banking Center970 W. 190th Street, Suite 120, Torrance, CA 90502Febuary 01, 1984Full Service Brick and Mortar
    58419813El Segundo Branch275 Main Street, El Segundo, CA 90245October 21, 2002Full Service Brick and Mortar
    59467056Stockton Business Financial Center B3439 Brookside Road Suite 101, Stockton, CA 95219May 21, 2007Full Service Brick and Mortar
    60473953Encino Branch16830 Ventura Blvd Suite 310, Encino, CA 91436Febuary 04, 2008Full Service Brick and Mortar
    6116303San Joaquin Bank Branch1301 17th Street, Bakersfield, CA 93301December 01, 1980Full Service Brick and Mortar
    62256100Stockdale Branch4600 California Avenue, Bakersfield, CA 93309March 07, 1983Full Service Brick and Mortar
    63256101Delano Branch1613 Inyo Street, Delano, CA 93215January 27, 1997Full Service Brick and Mortar
    64430786Rosedale Branch3911 Coffee Rd Ste A, Bakersfield, CA 93308August 16, 2004Full Service Brick and Mortar
    66510751La Cbc Branch300 S. Grand Ave. Suite 1100, Los Angeles, CA 90071May 03, 2010Full Service Brick and Mortar

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