First National Bank of Northern California in Daly City, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Northern California - Overview

  • General
  • FDIC Certificate #: 18767
    Status: Active
    Federal Reserve ID: 167060
    Bank Holding Company (Regulatory Top Holder): Fnb Bancorp (RSSDID: 3047743, Location: South San Francisco, CA)
    Date Established: May 03, 1963
    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: 12 (Domestic: 12, Interstate: No)
    FDIC's unique #: 12630
    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: May 03, 1963
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 6600 Mission Street, Daly City, CA 94014
    County: San Mateo
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Francisco, CA (#7360)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: San Francisco-San Mateo-Redwood City, CA (#41884)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $715.6 mil
    Equity capital: $86.6 mil
    Deposits held in domestic offices: $622.4 mil
    Return on assets (ROA): 0.60% ($4.3 mil)
    Quarterly return on assets: 0.61% ($4.4 mil)
    Return on Equity (ROE): 5.18% ($4.5 mil)
    Quarterly return on equity: 5.10% ($4.4 mil)
    Net income: $4.3 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.82% ($5,868.1 mil)
    Quarterly Pretax return on assets: 0.85% ($6,082.8 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
  • 175Total employees (full-time equivalent)
  • $715,622Total assets
  • $38,474Cash and due from depository institutions
  • $24,305Interest-bearing balances
  • $187,664Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $443,721Net loans & leases
  • $9,897Loan loss allowance
  • $0Trading account assets
  • $13,060Bank premises and fixed assets
  • $2,747Other real estate owned
  • $2,035Goodwill and other intangibles
  • $715,622Life insurance assets
  • $27,921All other assets
  • $629,016Total liabilities and capital
  • $622,352Total liabilities
  • $482,396Total deposits
  • $622,352Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6,664Subordinated debt
  • $86,606All other liabilities
  • $86,606Total equity capital
  • $86,606Total bank equity capital
  • $0Perpetual preferred stock
  • $14,898Common stock
  • $20,497Surplus
  • $51,211Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,123Income earned, not collected on loans
  • $2,224Earning assets
  • $3,614Long-term assets (5+ years)
  • $655,690Average Assets, year-to-date
  • $147,954Average Assets, quarterly
  • $714,032Volatile liabilities
  • $719,554Insider loans
  • $530,194FHLB advances
  • $721,986Loans and leases held for sale
  • $9,521Unused loan commitments
  • $9,521Tier 1 (core) risk-based capital
  • $80,500Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $90,228Restructured Loans and leases
  • $24,096Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,018Total interest income
  • $3,326Total interest expense
  • $29,692Net interest income
  • $1,750Provision for loan and lease losses
  • $4,004Total noninterest income
  • $0Fiduciary activities
  • $2,235Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,769Additional noninterest income
  • $26,536Total noninterest expense
  • $13,726Salaries and employee benefits
  • $3,451Premises and equipment expense
  • $9,359Additional noninterest expense
  • $5,410Pre-tax net operating income
  • $479Securities gains (losses)
  • $1,570Applicable income taxes
  • $4,319Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,319Net income attributable to bank
  • $0Net charge-offs
  • $4,319Cash dividends
  • $1,377Sale, conversion, retirement of capital stock, net
  • $1,269Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 0.51%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 4.07%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 5.18%Return on equity (ROE)
  • 3.66%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 127.09%Credit loss provision to net charge-offs
  • 5.20%Efficiency ratio
  • 78,460Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.38%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 51.75%Noncurrent assets plus other real estate owned to assets
  • 3.06%Noncurrent loans to loans
  • 4.22%Net loans and leases to deposits
  • 71.30%Net loans and leases to core deposits
  • 75.45%Equity capital to assets
  • 12.10%Core capital (leverage) ratio
  • 11.15%Tier 1 risk-based capital ratio
  • 15.18%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $714,032Average earning assets
  • $83,395Average equity
  • $651,410Average loans

List of branches

  • 12 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012630First National Bank Of Northern Cali6600 Mission Street, Daly City, CA 94014May 03, 1963Full Service Brick and Mortar
    2246411South San Francisco Branch211 Airport Boulevard, South San Francisco, CA 94080September 30, 1968Full Service Brick and Mortar
    5246414Millbrae Branch1551 El Camino Real, Millbrae, CA 94030Febuary 16, 1973Full Service Brick and Mortar
    6246415Buri Buri Branch975 El Camino Real, South San Francisco, CA 94080December 15, 1980Full Service Brick and Mortar
    7246416Half Moon Bay Branch756 Main Street, Half Moon Bay, CA 94019January 11, 1982Full Service Brick and Mortar
    8246417Linda Mar Branch1450 Linda Mar Shopping Center, Pacifica, CA 94044October 29, 1984Full Service Brick and Mortar
    10246419Redwood City Branch700 El Camino Real, Redwood City, CA 94063June 07, 1993Full Service Brick and Mortar
    13246422San Mateo Branch491 El Camino Real, Suite B, San Mateo, CA 94402April 01, 1997Full Service Brick and Mortar
    14198076Pescadero Branch239 Stage Road, Pescadero, CA 94060October 17, 1904Full Service Brick and Mortar
    1536255Post Street - Financial Dist65 Post Street, San Francisco, CA 94104March 02, 1987Full Service Brick and Mortar
    16260463Portola Drive Branch699 Portola Drive, San Francisco, CA 94127August 02, 1999Full Service Brick and Mortar
    17520283Chestnut Street Branch2197 Chestnut Street, San Francisco, CA 94123April 04, 2011Full Service Brick and Mortar

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