Inland Community Bank, National Association in Rialto, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Inland Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 32916
    Status: Active
    Federal Reserve ID: 1445121
    Bank Holding Company (Regulatory Top Holder): Fa Capital, Llc (RSSDID: 3643127, Location: Richmond, VA)
    Date Established: April 12, 1990
    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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 45830
    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: April 12, 1990
    Last Structure Change Effective Date: August 12, 2006
    Last Structure Change Process Date: September 19, 2006
    Last Data Update: September 19, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 255 South Riverside Avenue, Rialto, CA 92376
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $223.2 mil
    Equity capital: $27.7 mil
    Deposits held in domestic offices: $194.4 mil
    Return on assets (ROA): -0.24% (-$0.5 mil)
    Quarterly return on assets: -0.21% (-$0.5 mil)
    Return on Equity (ROE): -2.13% (-$0.6 mil)
    Quarterly return on equity: -1.77% (-$0.5 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.38% (-$848.2 mil)
    Quarterly Pretax return on assets: -0.36% (-$803.6 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
  • 62Total employees (full-time equivalent)
  • $223,209Total assets
  • $16,784Cash and due from depository institutions
  • $9,585Interest-bearing balances
  • $14,400Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $170,236Net loans & leases
  • $4,204Loan loss allowance
  • $0Trading account assets
  • $9,213Bank premises and fixed assets
  • $200Other real estate owned
  • $381Goodwill and other intangibles
  • $223,209Life insurance assets
  • $11,995All other assets
  • $195,519Total liabilities and capital
  • $194,389Total liabilities
  • $133,373Total deposits
  • $194,389Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,130Subordinated debt
  • $27,690All other liabilities
  • $27,690Total equity capital
  • $27,690Total bank equity capital
  • $0Perpetual preferred stock
  • $2,740Common stock
  • $25,911Surplus
  • $-961Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $38,488Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,511Income earned, not collected on loans
  • $1,415Earning assets
  • $81Long-term assets (5+ years)
  • $194,221Average Assets, year-to-date
  • $18,988Average Assets, quarterly
  • $246,926Volatile liabilities
  • $231,660Insider loans
  • $170,911FHLB advances
  • $234,802Loans and leases held for sale
  • $6,183Unused loan commitments
  • $2,142Tier 1 (core) risk-based capital
  • $27,329Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,041Total unused commitments
  • $11,953Restructured Loans and leases
  • $2,936Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,776Total interest income
  • $1,460Total interest expense
  • $9,316Net interest income
  • $1,405Provision for loan and lease losses
  • $1,041Total noninterest income
  • $0Fiduciary activities
  • $921Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $9,915Total noninterest expense
  • $4,907Salaries and employee benefits
  • $784Premises and equipment expense
  • $4,224Additional noninterest expense
  • -$963Pre-tax net operating income
  • $19Securities gains (losses)
  • -$350Applicable income taxes
  • -$594Income before extraordinary items
  • $0Extraordinary gains - net
  • -$594Net income attributable to bank
  • $0Net charge-offs
  • -$594Cash dividends
  • $1,538Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.56%Noninterest expense to earning assets
  • -0.25%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.38%Pretax return on assets
  • -2.13%Return on equity (ROE)
  • -2.13%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 91.35%Credit loss provision to net charge-offs
  • 0.29%Efficiency ratio
  • 90,721Assets per employee
  • 3.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.41%Loss allowance to noncurrent loans
  • 40.00%Noncurrent assets plus other real estate owned to assets
  • 4.80%Noncurrent loans to loans
  • 6.03%Net loans and leases to deposits
  • 87.57%Net loans and leases to core deposits
  • 110.72%Equity capital to assets
  • 12.41%Core capital (leverage) ratio
  • 11.64%Tier 1 risk-based capital ratio
  • 15.99%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $246,926Average earning assets
  • $27,862Average equity
  • $217,289Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045830Inland Community Bank, National Association255 South Riverside Avenue, Rialto, CA 92376April 12, 1990Full Service Brick and Mortar
    1289073Loma Linda Regional Branch11175 Mountain View Avenue, Suite O, Loma Linda, CA 92354September 18, 1995Full Service Brick and Mortar
    2289074Ontario Regional Branch3999 Inland Empire Blvd, Ontario, CA 91764January 11, 1995Full Service Brick and Mortar
    3289075Los Angeles Regional Branch306 North La Brea Avenue, Los Angeles, CA 90036March 09, 1998Full Service Brick and Mortar
    416281Duarte Regional Branch1801 Huntington Drive, Duarte, CA 91010October 27, 1980Full Service Brick and Mortar

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