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Overview / Commentary
14245 Pipeline Avenue
Chino, CA 91710

Chino Commercial Bank, N.A. is headquartered in Chino and is the 185th largest bank in the state of California. It is also the 4,201st largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 33 employees at 3 locations. Chino Commercial Bank, N.A. has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Chino Commercial Bank, N.A. had $199,000 in non-current loans and owned real-estate with $14.15 million in equity and loan loss allowances on hand to cover it. This gives Chino Commercial Bank, N.A. a Texas Ratio of 1.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Chino Commercial Bank, N.A. decreased dramatically from 8.11% as of March 31, 2013 to 1.41% as of March 31, 2014, resulting in a positive change of 82.65%.This indicates that the balance sheet and financial strength for Chino Commercial Bank, N.A. has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Chino Commercial Bank, N.A. has increased its total deposits by $1.77 million, resulting in 1.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Chino Commercial Bank, N.A. has shown is above average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Chino Commercial Bank, N.A. has $123.79 million in assets with $14.15 million in equity, resulting in a capitalization level of 11.43%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #35366
Year Established2000
Employees33
Primary RegulatorOCC
Assets and Liabilities
Assets$123.79 million
Loans$63.67 million
Deposits$110.47 million
Equity Capital$12.64 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$199,000
Real Estate Owned$0
Historic Data - March 2013
Assets$120.88 million
Equity Capital$11.53 million
Loan Loss Allowance$1.46 million
Unbacked Noncurrent Loans$199,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.83%
Return on Equity8.18%
Interest Income$1.02 million
Rates

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Locations


Chino Commercial Bank, N.A. Locations
Chino Commercial Bank, N.A.14245 Pipeline AvenueChino, CA 91710
Ontario Branch Office1551 South Grove AvenueOntario, CA 91761
Rancho Cucamonga Branch8229 Rochester AvenueRancho Cucamonga, CA 91730