Neighborhood National Bank in San Diego, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Neighborhood National Bank - Overview

  • General
  • FDIC Certificate #: 34548
    Status: Active
    Federal Reserve ID: 2333140
    Bank Holding Company (Regulatory Top Holder): Neighborhood Bancorp (RSSDID: 2333131, Location: National City, CA)
    Date Established: September 19, 1997
    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)
    OTS Docket #: 16008
    FDIC's unique #: 59055
    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: September 19, 1997
    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: 3511 National Avenue, San Diego, CA 92113
    County: San Diego
    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): San Diego, CA (#7320)
    Core Based Statistical Area (CBSA): San Diego-Carlsbad-San Marcos, CA (#41740)
    CBSA Metro Statistical Area: San Diego-Carlsbad-San Marcos, CA (#41740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $104.1 mil
    Equity capital: $9.0 mil
    Deposits held in domestic offices: $94.1 mil
    Return on assets (ROA): -0.93% (-$1.0 mil)
    Quarterly return on assets: -0.89% (-$0.9 mil)
    Return on Equity (ROE): -11.00% (-$1.0 mil)
    Quarterly return on equity: -10.33% (-$0.9 mil)
    Net income: -$1.1 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.85% (-$885.3 mil)
    Quarterly Pretax return on assets: -0.55% (-$572.8 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
  • 50Total employees (full-time equivalent)
  • $104,149Total assets
  • $7,606Cash and due from depository institutions
  • $1,131Interest-bearing balances
  • $847Securities
  • $7,500Federal funds sold & reverse repurchase agreements
  • $80,952Net loans & leases
  • $4,999Loan loss allowance
  • $0Trading account assets
  • $1,670Bank premises and fixed assets
  • $491Other real estate owned
  • $0Goodwill and other intangibles
  • $104,149Life insurance assets
  • $5,083All other assets
  • $95,170Total liabilities and capital
  • $94,060Total liabilities
  • $82,011Total deposits
  • $94,060Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,110Subordinated debt
  • $8,979All other liabilities
  • $8,979Total equity capital
  • $8,979Total bank equity capital
  • $0Perpetual preferred stock
  • $6,364Common stock
  • $6,343Surplus
  • $-3,728Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,905Income earned, not collected on loans
  • $679Earning assets
  • $218Long-term assets (5+ years)
  • $90,430Average Assets, year-to-date
  • $20,286Average Assets, quarterly
  • $114,395Volatile liabilities
  • $105,376Insider loans
  • $78,349FHLB advances
  • $105,265Loans and leases held for sale
  • $3,443Unused loan commitments
  • $1,970Tier 1 (core) risk-based capital
  • $8,982Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,473Total unused commitments
  • $1,176Restructured Loans and leases
  • $1,139Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,134Total interest income
  • $1,149Total interest expense
  • $3,985Net interest income
  • $2,210Provision for loan and lease losses
  • $3,197Total noninterest income
  • $0Fiduciary activities
  • $2,638Service charges on deposit accounts
  • $0Trading account gains & fees
  • $559Additional noninterest income
  • $5,944Total noninterest expense
  • $2,983Salaries and employee benefits
  • $813Premises and equipment expense
  • $2,148Additional noninterest expense
  • -$972Pre-tax net operating income
  • $0Securities gains (losses)
  • $92Applicable income taxes
  • -$1,064Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,064Net income attributable to bank
  • $0Net charge-offs
  • -$1,064Cash dividends
  • $1,425Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.98%Net interest margin
  • 3.19%Noninterest income to earning assets
  • 5.94%Noninterest expense to earning assets
  • -0.93%Net operating income to assets
  • -0.93%Return on assets (ROA)
  • -0.85%Pretax return on assets
  • -11.00%Return on equity (ROE)
  • -11.00%Retained earnings to average equity (YTD only)
  • 1.56%Net charge-offs to loans
  • 155.09%Credit loss provision to net charge-offs
  • 0.87%Efficiency ratio
  • 82,762Assets per employee
  • 2.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.82%Loss allowance to noncurrent loans
  • 35.95%Noncurrent assets plus other real estate owned to assets
  • 13.82%Noncurrent loans to loans
  • 16.18%Net loans and leases to deposits
  • 86.06%Net loans and leases to core deposits
  • 107.18%Equity capital to assets
  • 8.62%Core capital (leverage) ratio
  • 8.53%Tier 1 risk-based capital ratio
  • 11.46%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $114,395Average earning assets
  • $9,671Average equity
  • $100,116Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    059055Neighborhood National Bank3511 National Avenue, San Diego, CA 92113September 19, 1997Full Service Brick and Mortar
    3360621National City Branch1717 Sweetwater Road Suite A, National City, CA 91950June 20, 2001Full Service Brick and Mortar
    4445301El Cajon Branch2987 Jamaca Rd, Suite 2b, El Cajon, CA 92019August 22, 2005Full Service Brick and Mortar

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