Fontana First National Bank in Fontana, California (CA)

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Fontana First National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerger - Without Assistance
Participated in Reorganization
Financial SummaryTotal assets: $26.3 mil
Assets and Liabilities (December 31, 1992)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$15
Cash and due from depository institutions$26,313
Interest-bearing balances$5,111
Federal funds sold & reverse repurchase agreements$101
Net loans & leases$2,290
Loan loss allowance $18,501
Trading account assets$242
Bank premises and fixed assets$0
Other real estate owned$98
Goodwill and other intangibles$0
All other assets$0
Life insurance assets$212
Total liabilities and capital$0
Total liabilities$26,313
Total deposits$22,866
Interest-bearing deposits$22,770
Deposits held in domestic offices$16,960
% insured (estimated)22770.00%
Federal funds purchased & repurchase agreements $91
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $0
Total equity capital$96
Total bank equity capital$96
Perpetual preferred stock$3,447
Common stock$0
Undivided profits $1,700
Noncurrent loans and leases $18
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $656
Earning assets $140
Long-term assets (5+ years) $24,546
Average Assets, year-to-date $2,317
Average Assets, quarterly $28,709
Volatile liabilities $26,430
Insider loans $2,856
FHLB advances $83
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $1,452
Tier 2 risk-based capital $0
Total risk weighted assets $3,447
Total unused commitments $20,549
Restructured Loans and leases $0
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Income and Expense (December 31, 1992)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $2,536
Net interest income $786
Provision for loan and lease losses $1,750
Total noninterest income $363
Fiduciary activities $255
Service charges on deposit accounts $0
Trading account gains & fees $173
Additional noninterest income $0
Total noninterest expense $82
Salaries and employee benefits $1,519
Premises and equipment expense $735
Additional noninterest expense $155
Pre-tax net operating income $629
Securities gains (losses) $123
Applicable income taxes $0
Income before extraordinary items $49
Extraordinary gains - net $74
Net income attributable to bank $0
Net charge-offs $74
Cash dividends $366
Sale, conversion, retirement of capital stock, net $0
Net operating income $0
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Performance and Condition Ratios (December 31, 1992)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 9.69%
Net interest margin 3.00%
Noninterest income to earning assets 6.69%
Noninterest expense to earning assets 0.97%
Net operating income to assets 5.80%
Return on assets (ROA) 0.26%
Pretax return on assets 0.26%
Return on equity (ROE) 0.43%
Retained earnings to average equity (YTD only) 2.19%
Net charge-offs to loans 2.19%
Credit loss provision to net charge-offs 1.90%
Efficiency ratio99.18%
Assets per employee$75,761
Cash dividends to net income (YTD only)1.75%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.29%
Noncurrent assets plus other real estate owned to assets 36.89%
Noncurrent loans to loans 2.49%
Net loans and leases to deposits3.50%
Net loans and leases to core deposits 81.25%
Equity capital to assets 92.90%
Core capital (leverage) ratio 13.10%
Tier 1 risk-based capital ratio 12.78%
Total risk-based capital ratio 16.77%
Average assets$18
Average earning assets$28,709
Average equity $3,372
Average loans $26,169
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