Northern California National Bank in Chico, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Northern California National Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    0443120Northern California National Bank1717 Mangrove Avenue, Suite 100, Chico, CA 95926March 28, 2006Full Service Brick and Mortar

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