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Overview / Commentary
1717 Mangrove Avenue, Suite 100
Chico, CA 95926

Northern California National Bank is headquartered in Chico and is the 159th largest bank in the state of California. It is also the 3,375th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 18 employees at 1 location. Northern California National Bank 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 Northern California National Bank had $785,000 in non-current loans and owned real-estate with $16.31 million in equity and loan loss allowances on hand to cover it. This gives Northern California National Bank a Texas Ratio of 4.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Northern California National Bank experienced no significant changes from 0.22% as of March 31, 2013 to 4.81% as of March 31, 2014, resulting in a negative change of 2,082.69%. This indicates that the balance sheet and financial strength for Northern California National Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Northern California National Bank has increased its total deposits by $34.5 million, resulting in 28.16% 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 Northern California National Bank has shown is excellent.

Capitalization

GRADE:
C+

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. Northern California National Bank has $172.48 million in assets with $16.31 million in equity, resulting in a capitalization level of 9.46%, which is average.

Institution Statistics

Overall
FDIC Certificate #58224
Year Established2006
Employees18
Primary RegulatorOCC
Assets and Liabilities
Assets$172.48 million
Loans$56.87 million
Deposits$157.02 million
Equity Capital$15.13 million
Loan Loss Allowance$1.18 million
Unbacked Noncurrent Loans$785,000
Real Estate Owned$0
Historic Data - March 2013
Assets$138.07 million
Equity Capital$15.26 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$785,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.52%
Return on Equity5.5%
Interest Income$965,000
Rates

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Locations


Northern California National Bank Locations
Northern California National Bank1717 Mangrove Avenue, Suite 100Chico, CA 95926