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First National Bank of Southern California

First National Bank of Southern California
Overview / Commentary
3727 Arlington Avenue, Suite 202a
Riverside, CA 92506

First National Bank of Southern California is headquartered in Riverside and is the 155th largest bank in the state of California. It is also the 3,389th largest bank in the nation. It was established in 1984 and as of June of 2014, it had grown to 31 employees at 4 locations. First National Bank of Southern California has a A+ health rating.

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Health

Data for Q2 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 June 30, 2014 First National Bank of Southern California had $1.25 million in non-current loans and owned real-estate with $23.83 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Southern California a Texas Ratio of 5.22% 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 First National Bank of Southern California decreased dramatically from 15.62% as of June 30, 2013 to 5.22% as of June 30, 2014, resulting in a positive change of 66.55%.This indicates that the balance sheet and financial strength for First National Bank of Southern California has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, First National Bank of Southern California has increased its total deposits by $17.83 million, resulting in 13.9% 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 First National Bank of Southern California has shown is excellent.

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. First National Bank of Southern California has $170.13 million in assets with $23.83 million in equity, resulting in a capitalization level of 14.01%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #25249
Year Established1984
Employees31
Primary RegulatorOCC
Assets and Liabilities
Assets$170.13 million
Loans$60.62 million
Deposits$146.11 million
Equity Capital$23.66 million
Loan Loss Allowance$166,000
Unbacked Noncurrent Loans$1.25 million
Real Estate Owned$0
Historic Data - June 2013
Assets$147.64 million
Equity Capital$19.03 million
Loan Loss Allowance$3.10 million
Unbacked Noncurrent Loans$1.25 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.83%
Return on Equity-6.17%
Interest Income$1.41 million
Rates

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Locations


First National Bank of Southern California Locations
San Marcos1110 San Marino DriveSan Marcos, CA 92078
Fallbrook Branch139 South Main StreetFallbrook, CA 92028
Carlsbad Branch2365 Marron RoadCarlsbad, CA 92008
Vista Branch302 East BroadwayVista, CA 92084
First National Bank Of Southern California3727 Arlington AvenueRiverside, CA 92506