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

This bank is inactive as of March 08, 1993

  • Fontana First National Bank in Fontana, California (CA)
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Fontana First National Bank - Overview

  • General
  • FDIC Certificate #: 25740
    Status: Inactive
    Closing history: Participated in Reorganization
    Acquiring institution: Citizens Business Bank (#21716)
    Federal Reserve ID: 541594
    Date Established: November 01, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 17613
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: November 01, 1984
    Last Structure Change Effective Date: March 08, 1993
    Last Structure Change Process Date: April 30, 1993
    Last Data Update: April 30, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 9244 Sierra Avenue, Fontana, CA 92335
    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
  • Merger - Without Assistance
    Participated in Reorganization
  • Financial Summary
  • Total assets: $26.3 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $15Total assets
  • $26,313Cash and due from depository institutions
  • $5,111Interest-bearing balances
  • $3,654Securities
  • $101Federal funds sold & reverse repurchase agreements
  • $2,290Net loans & leases
  • $18,501Loan loss allowance
  • $242Trading account assets
  • $0Bank premises and fixed assets
  • $98Other real estate owned
  • $0Goodwill and other intangibles
  • $212Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $26,313Total liabilities
  • $22,866Total deposits
  • $22,770Interest-bearing deposits
  • $16,960Deposits held in domestic offices
  • 22770.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $96Total equity capital
  • $96Total bank equity capital
  • $3,447Perpetual preferred stock
  • $0Common stock
  • $1,729Surplus
  • $1,700Undivided profits
  • Memoranda
  • $18Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $656Income earned, not collected on loans
  • $140Earning assets
  • $24,546Long-term assets (5+ years)
  • $2,317Average Assets, year-to-date
  • $28,709Average Assets, quarterly
  • $26,430Volatile liabilities
  • $2,856Insider loans
  • $83FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,452Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,447Total risk weighted assets
  • $20,549Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,536Total interest expense
  • $786Net interest income
  • $1,750Provision for loan and lease losses
  • $363Total noninterest income
  • $255Fiduciary activities
  • $0Service charges on deposit accounts
  • $173Trading account gains & fees
  • $0Additional noninterest income
  • $82Total noninterest expense
  • $1,519Salaries and employee benefits
  • $735Premises and equipment expense
  • $155Additional noninterest expense
  • $629Pre-tax net operating income
  • $123Securities gains (losses)
  • $0Applicable income taxes
  • $49Income before extraordinary items
  • $74Extraordinary gains - net
  • $0Net income attributable to bank
  • $74Net charge-offs
  • $366Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.69%Cost of funding earning assets
  • 3.00%Net interest margin
  • 6.69%Noninterest income to earning assets
  • 0.97%Noninterest expense to earning assets
  • 5.80%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.26%Pretax return on assets
  • 0.43%Return on equity (ROE)
  • 2.19%Retained earnings to average equity (YTD only)
  • 2.19%Net charge-offs to loans
  • 1.90%Credit loss provision to net charge-offs
  • 99.18%Efficiency ratio
  • 75,761Assets per employee
  • 1.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 36.89%Noncurrent assets plus other real estate owned to assets
  • 2.49%Noncurrent loans to loans
  • 3.50%Net loans and leases to deposits
  • 81.25%Net loans and leases to core deposits
  • 92.90%Equity capital to assets
  • 13.10%Core capital (leverage) ratio
  • 12.78%Tier 1 risk-based capital ratio
  • 16.77%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $28,709Average earning assets
  • $3,372Average equity
  • $26,169Average loans

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