National Bank of California in Los Angeles, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • National Bank of California in Los Angeles, California (CA)
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National Bank of California - Overview

  • General
  • FDIC Certificate #: 24108
    Status: Active
    Federal Reserve ID: 667869
    Bank Holding Company (Regulatory Top Holder): Ncal Bancorp (RSSDID: 2925406, Location: Los Angeles, CA)
    Date Established: October 19, 1982
    WWW: http://www.nbcal.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: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 15557
    FDIC's unique #: 16806
    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: October 19, 1982
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 145 South Fairfax Avenue, Los Angeles, CA 90048
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (West)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Los Angeles-Long Beach, CA (#4480)
    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): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Los Angeles-Long Beach-Glendale, CA (#31084)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $382.7 mil
    Equity capital: $26.7 mil
    Deposits held in domestic offices: $351.8 mil
    Return on assets (ROA): -4.00% (-$15.3 mil)
    Quarterly return on assets: -6.43% (-$24.6 mil)
    Return on Equity (ROE): -44.07% (-$11.9 mil)
    Quarterly return on equity: -82.77% (-$22.3 mil)
    Net income: -$15.0 mil
    Quarterly Net income: -$6.2 mil
    Pretax return on assets: -3.17% (-$12,132.6 mil)
    Quarterly Pretax return on assets: -3.24% (-$12,400.5 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
  • 93Total employees (full-time equivalent)
  • $382,732Total assets
  • $75,620Cash and due from depository institutions
  • $64,897Interest-bearing balances
  • $13,434Securities
  • $30,620Federal funds sold & reverse repurchase agreements
  • $237,602Net loans & leases
  • $7,668Loan loss allowance
  • $0Trading account assets
  • $2,088Bank premises and fixed assets
  • $2,957Other real estate owned
  • $488Goodwill and other intangibles
  • $382,733Life insurance assets
  • $19,923All other assets
  • $356,033Total liabilities and capital
  • $351,796Total liabilities
  • $144,160Total deposits
  • $351,796Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,237Subordinated debt
  • $26,700All other liabilities
  • $26,700Total equity capital
  • $26,700Total bank equity capital
  • $0Perpetual preferred stock
  • $3,217Common stock
  • $23,231Surplus
  • $252Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,576Income earned, not collected on loans
  • $4,193Earning assets
  • $876Long-term assets (5+ years)
  • $346,553Average Assets, year-to-date
  • $26,030Average Assets, quarterly
  • $375,513Volatile liabilities
  • $383,237Insider loans
  • $253,156FHLB advances
  • $384,021Loans and leases held for sale
  • $6,182Unused loan commitments
  • $6,182Tier 1 (core) risk-based capital
  • $26,918Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $46,514Restructured Loans and leases
  • $3,677Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,772Total interest income
  • $894Total interest expense
  • $15,878Net interest income
  • $9,850Provision for loan and lease losses
  • $3,792Total noninterest income
  • $0Fiduciary activities
  • $1,402Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,390Additional noninterest income
  • $22,328Total noninterest expense
  • $9,438Salaries and employee benefits
  • $2,834Premises and equipment expense
  • $10,056Additional noninterest expense
  • -$12,508Pre-tax net operating income
  • $586Securities gains (losses)
  • $3,093Applicable income taxes
  • -$15,015Income before extraordinary items
  • $0Extraordinary gains - net
  • -$15,015Net income attributable to bank
  • $0Net charge-offs
  • -$15,015Cash dividends
  • $9,866Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.27%Cost of funding earning assets
  • 4.71%Net interest margin
  • 1.12%Noninterest income to earning assets
  • 6.62%Noninterest expense to earning assets
  • -4.15%Net operating income to assets
  • -4.00%Return on assets (ROA)
  • -3.17%Pretax return on assets
  • -44.07%Return on equity (ROE)
  • -44.07%Retained earnings to average equity (YTD only)
  • 3.81%Net charge-offs to loans
  • 99.84%Credit loss provision to net charge-offs
  • -0.27%Efficiency ratio
  • 113,330Assets per employee
  • 4.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.13%Loss allowance to noncurrent loans
  • 116.61%Noncurrent assets plus other real estate owned to assets
  • 2.49%Noncurrent loans to loans
  • 2.68%Net loans and leases to deposits
  • 67.54%Net loans and leases to core deposits
  • 69.07%Equity capital to assets
  • 6.98%Core capital (leverage) ratio
  • 7.01%Tier 1 risk-based capital ratio
  • 10.63%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $375,513Average earning assets
  • $34,073Average equity
  • $337,125Average loans

List of branches

  • 6 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016806National Bank Of California145 South Fairfax Avenue, Los Angeles, CA 90048October 19, 1982Full Service Brick and Mortar
    2256960Sherman Oaks Branch14724 Ventura Boulevard, Suite 100, Sherman Oaks, CA 91403September 28, 1998Full Service Brick and Mortar
    3363760Orange County Branch575 Anton Blvd., Ste. 140, Costa Mesa, CA 92626May 16, 2002Full Service Brick and Mortar
    4437042Glendale Regional Office520 North Brand Boulevard, Glendale, CA 91203September 20, 2004Full Service Brick and Mortar
    6507784Fairfax Branch145 South Fairfax Avenue, Los Angeles, CA 90036April 01, 2010Full Service Brick and Mortar
    7510238Headquarters Brentwood Blvd12121 Wilshire Blvd, Los Angeles, CA 90025June 21, 2010Full Service Brick and Mortar

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