FDIC Certificate #: 58224 Status: Active Federal Reserve ID: 3435948 Date Established: March 28, 2006 WWW:http://www.norcalbank.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 443120 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: March 28, 2006 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: March 31, 2006 Last Data Update: March 31, 2006 Data Source Date: April 05, 2012
Location
Address: 1717 Mangrove Avenue, Suite 100, Chico, CA 95926 County: Butte Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Sacramento Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Chico-Paradise, CA (#1620) Core Based Statistical Area (CBSA): Chico, CA (#17020) CBSA Metro Statistical Area: Chico, CA (#17020)
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $110.5 mil Equity capital: $14.6 mil Deposits held in domestic offices: $89.1 mil Return on assets (ROA): 0.45% ($0.5 mil) Quarterly return on assets: -0.38% (-$0.4 mil) Return on Equity (ROE): 3.48% ($0.5 mil) Quarterly return on equity: -2.86% (-$0.4 mil) Net income: $0.5 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.78% ($861.7 mil) Quarterly Pretax return on assets: 0.90% ($994.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$110,472Total assets
$49,405Cash and due from depository institutions
$47,321Interest-bearing balances
$20,748Securities
$0Federal funds sold & reverse repurchase agreements
$36,636Net loans & leases
$875Loan loss allowance
$0Trading account assets
$443Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$110,472Life insurance assets
$3,240All other assets
$95,863Total liabilities and capital
$89,102Total liabilities
$74,401Total deposits
$89,102Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,515Trading liabilities
$0Other borrowed funds
$246Subordinated debt
$14,609All other liabilities
$14,609Total equity capital
$14,609Total bank equity capital
$0Perpetual preferred stock
$6,765Common stock
$7,544Surplus
$300Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$240Long-term assets (5+ years)
$104,705Average Assets, year-to-date
$34,414Average Assets, quarterly
$109,534Volatile liabilities
$110,824Insider loans
$44,608FHLB advances
$110,125Loans and leases held for sale
$1,313Unused loan commitments
$1,313Tier 1 (core) risk-based capital
$14,553Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,999Restructured Loans and leases
$4,472Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,350Total interest income
$498Total interest expense
$2,852Net interest income
$174Provision for loan and lease losses
$125Total noninterest income
$0Fiduciary activities
$100Service charges on deposit accounts
$0Trading account gains & fees
$25Additional noninterest income
$2,004Total noninterest expense
$1,078Salaries and employee benefits
$188Premises and equipment expense
$738Additional noninterest expense
$799Pre-tax net operating income
$53Securities gains (losses)
$354Applicable income taxes
$498Income before extraordinary items
$0Extraordinary gains - net
$498Net income attributable to bank
$0Net charge-offs
$498Cash dividends
$29Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.20%Yield on earning assets
0.47%Cost of funding earning assets
2.72%Net interest margin
0.12%Noninterest income to earning assets
1.91%Noninterest expense to earning assets
0.42%Net operating income to assets
0.45%Return on assets (ROA)
0.78%Pretax return on assets
3.48%Return on equity (ROE)
3.48%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
600.00%Credit loss provision to net charge-offs
33.55%Efficiency ratio
67,316Assets per employee
7.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.33%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
41.12%Net loans and leases to core deposits
55.20%Equity capital to assets
13.22%Core capital (leverage) ratio
13.21%Tier 1 risk-based capital ratio
32.62%Total risk-based capital ratio
Memoranda
$34Average assets
$109,534Average earning assets
$14,300Average equity
$104,848Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
443120
Northern California National Bank
1717 Mangrove Avenue, Suite 100, Chico, CA 95926
March 28, 2006
Full Service Brick and Mortar
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