First National Bank of Southern California in Riverside, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


First National Bank of Southern California - Overview

  • General
  • FDIC Certificate #: 25249
    Status: Active
    Federal Reserve ID: 754068
    Bank Holding Company (Regulatory Top Holder): Duke Financial Group, Inc. (RSSDID: 1127913, Location: Minneapolis, MN)
    Date Established: June 01, 1984
    WWW: http://www.fnbsocal.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: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 17455
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 01, 1984
    Last Structure Change Effective Date: March 26, 2012
    Last Structure Change Process Date: March 26, 2012
    Last Data Update: March 26, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3727 Arlington Avenue, Riverside, CA 92506
    County: Riverside
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Orange
    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)
  • Financial Summary
  • Total assets: $167.6 mil
    Equity capital: $19.5 mil
    Deposits held in domestic offices: $144.8 mil
    Return on assets (ROA): 0.05% ($0.1 mil)
    Quarterly return on assets: -0.28% (-$0.5 mil)
    Return on Equity (ROE): 0.41% ($0.1 mil)
    Quarterly return on equity: -2.38% (-$0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.05% ($83.8 mil)
    Quarterly Pretax return on assets: -0.28% (-$469.4 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
  • 39Total employees (full-time equivalent)
  • $167,629Total assets
  • $21,312Cash and due from depository institutions
  • $18,211Interest-bearing balances
  • $27,854Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $110,703Net loans & leases
  • $4,489Loan loss allowance
  • $0Trading account assets
  • $3,753Bank premises and fixed assets
  • $220Other real estate owned
  • $0Goodwill and other intangibles
  • $167,629Life insurance assets
  • $3,787All other assets
  • $148,102Total liabilities and capital
  • $144,789Total liabilities
  • $101,810Total deposits
  • $144,789Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $313Subordinated debt
  • $19,527All other liabilities
  • $19,527Total equity capital
  • $19,527Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $16,800Surplus
  • $-273Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,689Income earned, not collected on loans
  • $238Earning assets
  • $517Long-term assets (5+ years)
  • $156,768Average Assets, year-to-date
  • $28,257Average Assets, quarterly
  • $171,703Volatile liabilities
  • $169,113Insider loans
  • $123,875FHLB advances
  • $171,234Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,262Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,326Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,290Total interest income
  • $971Total interest expense
  • $7,319Net interest income
  • $645Provision for loan and lease losses
  • -$44Total noninterest income
  • $0Fiduciary activities
  • $317Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$361Additional noninterest income
  • $6,829Total noninterest expense
  • $3,495Salaries and employee benefits
  • $949Premises and equipment expense
  • $2,385Additional noninterest expense
  • -$199Pre-tax net operating income
  • $279Securities gains (losses)
  • $0Applicable income taxes
  • $80Income before extraordinary items
  • $0Extraordinary gains - net
  • $80Net income attributable to bank
  • $0Net charge-offs
  • $80Cash dividends
  • $2,108Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 4.58%Net interest margin
  • -0.03%Noninterest income to earning assets
  • 4.27%Noninterest expense to earning assets
  • -0.12%Net operating income to assets
  • 0.05%Return on assets (ROA)
  • 0.05%Pretax return on assets
  • 0.41%Return on equity (ROE)
  • 0.41%Retained earnings to average equity (YTD only)
  • 1.66%Net charge-offs to loans
  • 30.60%Credit loss provision to net charge-offs
  • 0.21%Efficiency ratio
  • 93,869Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.90%Loss allowance to noncurrent loans
  • 26.90%Noncurrent assets plus other real estate owned to assets
  • 10.09%Noncurrent loans to loans
  • 14.49%Net loans and leases to deposits
  • 76.46%Net loans and leases to core deposits
  • 80.88%Equity capital to assets
  • 11.65%Core capital (leverage) ratio
  • 11.25%Tier 1 risk-based capital ratio
  • 15.55%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $171,703Average earning assets
  • $19,597Average equity
  • $159,757Average loans

List of branches

  • 6 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017455First National Bank Of Southern Cali3727 Arlington Avenue, Riverside, CA 92506June 01, 1984Full Service Brick and Mortar
    2257937Fallbrook Branch139 South Main Street, Fallbrook, CA 92028April 23, 1990Full Service Brick and Mortar
    416700San Marcos1110 San Marino Drive, San Marcos, CA 92078April 02, 1982Full Service Brick and Mortar
    5200910Carlsbad Branch2365 Marron Road, Carlsbad, CA 92008May 01, 1964Full Service Brick and Mortar
    6256814Vista Branch302 East Broadway, Vista, CA 92084March 12, 1990Full Service Brick and Mortar
    7256815San Marcos Branch1110 San Marino Drive, San Marcos, CA 92069October 26, 1993Limited Service Messenger

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