FDIC Certificate #: 35331 Status: Active Federal Reserve ID: 2907439 Bank Holding Company (Regulatory Top Holder): California First National Bancorp (RSSDID: 2907381, Location: Irvine, CA) Date Established: May 23, 2001 WWW:http://www.calfirst.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 #: 78237 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: All Other Specialization < 1 Billion Date of Deposit Insurance: May 23, 2001 Last Structure Change Effective Date: October 31, 2011 Last Structure Change Process Date: January 10, 2012 Last Data Update: January 10, 2012 Data Source Date: April 05, 2012
Location
Address: 18201 Von Karman Avenue, Suite 800, Irvine, CA 92612 County: Orange Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Orange Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Orange County, CA (#5945) Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49) Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348) Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100) CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100) Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
History of Changes
Change in Location
Financial Summary
Total assets: $357.0 mil Equity capital: $80.9 mil Deposits held in domestic offices: $267.1 mil Return on assets (ROA): 1.60% ($5.7 mil) Quarterly return on assets: 1.26% ($4.5 mil) Return on Equity (ROE): 7.34% ($5.9 mil) Quarterly return on equity: 5.78% ($4.7 mil) Net income: $5.8 mil Quarterly Net income: $1.2 mil Pretax return on assets: 2.43% ($8,675.8 mil) Quarterly Pretax return on assets: 1.94% ($6,926.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
49Total employees (full-time equivalent)
$357,027Total assets
$36,543Cash and due from depository institutions
$35,853Interest-bearing balances
$53,009Securities
$0Federal funds sold & reverse repurchase agreements
$254,759Net loans & leases
$3,577Loan loss allowance
$0Trading account assets
$8Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$357,027Life insurance assets
$12,708All other assets
$276,171Total liabilities and capital
$267,127Total liabilities
$262,553Total deposits
$267,127Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$9,044Subordinated debt
$80,856All other liabilities
$80,856Total equity capital
$80,856Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$54,165Surplus
$25,691Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$124Income earned, not collected on loans
$0Earning assets
$1,082Long-term assets (5+ years)
$343,621Average Assets, year-to-date
$468Average Assets, quarterly
$362,746Volatile liabilities
$369,497Insider loans
$360,541FHLB advances
$380,342Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$80,741Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$80,534Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$16,509Total interest income
$3,518Total interest expense
$12,991Net interest income
$0Provision for loan and lease losses
$518Total noninterest income
$0Fiduciary activities
$3Service charges on deposit accounts
$0Trading account gains & fees
$515Additional noninterest income
$4,743Total noninterest expense
$2,427Salaries and employee benefits
$220Premises and equipment expense
$2,096Additional noninterest expense
$8,766Pre-tax net operating income
$56Securities gains (losses)
$3,035Applicable income taxes
$5,787Income before extraordinary items
$0Extraordinary gains - net
$5,787Net income attributable to bank
$0Net charge-offs
$5,787Cash dividends
-$41Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.73%Yield on earning assets
1.01%Cost of funding earning assets
3.72%Net interest margin
0.15%Noninterest income to earning assets
1.36%Noninterest expense to earning assets
1.59%Net operating income to assets
1.60%Return on assets (ROA)
2.43%Pretax return on assets
7.34%Return on equity (ROE)
7.34%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
35,110Assets per employee
7.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.38%Loss allowance to noncurrent loans
2884.68%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.05%Net loans and leases to deposits
95.37%Net loans and leases to core deposits
104.34%Equity capital to assets
22.65%Core capital (leverage) ratio
21.23%Tier 1 risk-based capital ratio
22.39%Total risk-based capital ratio
Memoranda
$23Average assets
$362,746Average earning assets
$78,882Average equity
$348,949Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
78237
California First National Bank
18201 Von Karman Avenue, Suite 800, Irvine, CA 92612
May 23, 2001
Full Service Brick and Mortar
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