Mission Oaks National Bank in Temecula, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Mission Oaks National Bank - Overview

  • General
  • FDIC Certificate #: 57021
    Status: Active
    Federal Reserve ID: 2961703
    Bank Holding Company (Regulatory Top Holder): Mission Oaks Bancorp (RSSDID: 3354629, Location: Temecula, CA)
    Date Established: November 17, 2000
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 294913
    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: November 17, 2000
    Last Structure Change Effective Date: March 29, 2007
    Last Structure Change Process Date: March 29, 2007
    Last Data Update: March 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 41530 Enterprise Circle South, Suite 100, Temecula, CA 92590
    County: Riverside
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    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: $137.7 mil
    Equity capital: $12.6 mil
    Deposits held in domestic offices: $124.0 mil
    Return on assets (ROA): -2.05% (-$2.8 mil)
    Quarterly return on assets: -2.72% (-$3.8 mil)
    Return on Equity (ROE): -21.39% (-$2.8 mil)
    Quarterly return on equity: -28.82% (-$3.7 mil)
    Net income: -$3.0 mil
    Quarterly Net income: -$0.9 mil
    Pretax return on assets: -2.05% (-$2,821.8 mil)
    Quarterly Pretax return on assets: -2.72% (-$3,744.1 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
  • 35Total employees (full-time equivalent)
  • $137,650Total assets
  • $15,998Cash and due from depository institutions
  • $14,005Interest-bearing balances
  • $21,892Securities
  • $215Federal funds sold & reverse repurchase agreements
  • $89,633Net loans & leases
  • $4,000Loan loss allowance
  • $0Trading account assets
  • $364Bank premises and fixed assets
  • $3,627Other real estate owned
  • $135Goodwill and other intangibles
  • $137,650Life insurance assets
  • $5,786All other assets
  • $125,004Total liabilities and capital
  • $124,005Total liabilities
  • $96,487Total deposits
  • $124,005Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $999Subordinated debt
  • $12,646All other liabilities
  • $12,646Total equity capital
  • $12,646Total bank equity capital
  • $0Perpetual preferred stock
  • $4,899Common stock
  • $19,819Surplus
  • $-12,072Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $270Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,453Income earned, not collected on loans
  • $361Earning assets
  • $396Long-term assets (5+ years)
  • $125,745Average Assets, year-to-date
  • $26,742Average Assets, quarterly
  • $147,935Volatile liabilities
  • $139,454Insider loans
  • $102,091FHLB advances
  • $141,509Loans and leases held for sale
  • $3,477Unused loan commitments
  • $2,011Tier 1 (core) risk-based capital
  • $12,529Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,466Total unused commitments
  • $7,515Restructured Loans and leases
  • $3,268Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,739Total interest income
  • $1,137Total interest expense
  • $5,602Net interest income
  • $2,432Provision for loan and lease losses
  • $95Total noninterest income
  • $0Fiduciary activities
  • $261Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$166Additional noninterest income
  • $6,528Total noninterest expense
  • $3,118Salaries and employee benefits
  • $839Premises and equipment expense
  • $2,571Additional noninterest expense
  • -$3,263Pre-tax net operating income
  • $232Securities gains (losses)
  • $1Applicable income taxes
  • -$3,032Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,032Net income attributable to bank
  • $0Net charge-offs
  • -$3,032Cash dividends
  • $2,607Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.21%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 4.90%Noninterest expense to earning assets
  • -2.21%Net operating income to assets
  • -2.05%Return on assets (ROA)
  • -2.05%Pretax return on assets
  • -21.39%Return on equity (ROE)
  • -21.39%Retained earnings to average equity (YTD only)
  • 2.55%Net charge-offs to loans
  • 93.29%Credit loss provision to net charge-offs
  • -0.32%Efficiency ratio
  • 114,587Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.27%Loss allowance to noncurrent loans
  • 34.93%Noncurrent assets plus other real estate owned to assets
  • 10.96%Noncurrent loans to loans
  • 12.23%Net loans and leases to deposits
  • 72.28%Net loans and leases to core deposits
  • 77.76%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 8.85%Tier 1 risk-based capital ratio
  • 12.27%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $147,935Average earning assets
  • $14,173Average equity
  • $133,198Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0294913Mission Oaks National Bank41530 Enterprise Circle South, Suite 100, Temecula, CA 92590November 17, 2000Full Service Brick and Mortar
    3491919Fallbrook Branch845 South Main Avenue, Fallbrook, CA 92028July 01, 2008Full Service Brick and Mortar
    4491920Lake Elsinore Branch600 Central Avenue, Lake Elsinore, CA 92530December 15, 2008Full Service Brick and Mortar

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