FDIC Certificate #: 58090 Status: Active Federal Reserve ID: 3398623 Date Established: December 23, 2005 WWW:http://www.fresnofirstbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 439445 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: December 23, 2005 Last Structure Change Effective Date: November 02, 2009 Last Structure Change Process Date: November 02, 2009 Last Data Update: November 02, 2009 Data Source Date: April 05, 2012
Location
Address: 7690 N. Palm Avenue, Ste. 101, Fresno, CA 93711 County: Fresno 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): Fresno, CA (#2840) Combined Statistical Area (CSA): Fresno-Madera, CA (#260) Core Based Statistical Area (CBSA): Fresno, CA (#23420) CBSA Metro Statistical Area: Fresno, CA (#23420)
Financial Summary
Total assets: $177.7 mil Equity capital: $18.2 mil Deposits held in domestic offices: $158.5 mil Return on assets (ROA): 1.22% ($2.2 mil) Quarterly return on assets: 1.06% ($1.9 mil) Return on Equity (ROE): 11.05% ($2.0 mil) Quarterly return on equity: 10.06% ($1.8 mil) Net income: $1.9 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.00% ($1,777.3 mil) Quarterly Pretax return on assets: 0.93% ($1,652.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
28Total employees (full-time equivalent)
$177,726Total assets
$19,664Cash and due from depository institutions
$9,098Interest-bearing balances
$56,409Securities
$0Federal funds sold & reverse repurchase agreements
$97,349Net loans & leases
$2,793Loan loss allowance
$0Trading account assets
$609Bank premises and fixed assets
$0Other real estate owned
$50Goodwill and other intangibles
$177,726Life insurance assets
$3,645All other assets
$159,505Total liabilities and capital
$158,509Total liabilities
$110,619Total deposits
$158,509Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$996Subordinated debt
$18,221All other liabilities
$18,221Total equity capital
$18,221Total bank equity capital
$2,063Perpetual preferred stock
$17,600Common stock
$1,564Surplus
$-3,006Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$885Income earned, not collected on loans
$0Earning assets
$724Long-term assets (5+ years)
$162,856Average Assets, year-to-date
$57,866Average Assets, quarterly
$157,330Volatile liabilities
$170,767Insider loans
$96,188FHLB advances
$172,722Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,574Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$21,380Restructured Loans and leases
$1,479Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,385Total interest income
$718Total interest expense
$6,667Net interest income
$500Provision for loan and lease losses
$788Total noninterest income
$0Fiduciary activities
$257Service charges on deposit accounts
$0Trading account gains & fees
$531Additional noninterest income
$5,383Total noninterest expense
$2,938Salaries and employee benefits
$557Premises and equipment expense
$1,888Additional noninterest expense
$1,572Pre-tax net operating income
$0Securities gains (losses)
-$344Applicable income taxes
$1,916Income before extraordinary items
$0Extraordinary gains - net
$1,916Net income attributable to bank
$0Net charge-offs
$1,916Cash dividends
$86Sale, conversion, retirement of capital stock, net
$108Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
0.48%Cost of funding earning assets
4.50%Net interest margin
0.53%Noninterest income to earning assets
3.63%Noninterest expense to earning assets
1.22%Net operating income to assets
1.22%Return on assets (ROA)
1.00%Pretax return on assets
11.05%Return on equity (ROE)
10.43%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
581.40%Credit loss provision to net charge-offs
24.09%Efficiency ratio
72,207Assets per employee
6.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
5.64%Loss allowance to loans
2.79%Loss allowance to noncurrent loans
315.59%Noncurrent assets plus other real estate owned to assets
0.50%Noncurrent loans to loans
0.88%Net loans and leases to deposits
61.42%Net loans and leases to core deposits
73.75%Equity capital to assets
10.25%Core capital (leverage) ratio
10.17%Tier 1 risk-based capital ratio
18.27%Total risk-based capital ratio
Memoranda
$20Average assets
$157,330Average earning assets
$17,332Average equity
$148,259Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
439445
Fresno First Bank
7690 N. Palm Avenue, Ste. 101, Fresno, CA 93711
December 23, 2005
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Fresno First Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: