Riverside National Bank in Riverside, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 24, 1997

  • Riverside National Bank in Riverside, California (CA)
  • Show street view No street view available for this location

Riverside National Bank - Overview

  • General
  • FDIC Certificate #: 19386
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: City National Bank (#17281)
    Federal Reserve ID: 689562
    Date Established: March 03, 1965
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 13193
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 03, 1965
    Last Structure Change Effective Date: January 24, 1997
    Last Structure Change Process Date: March 10, 1997
    Last Data Update: March 10, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 3484 Central Avenue, Riverside, CA 92502
    County: Riverside
    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): Riverside-San Bernardino, CA (#6780)
    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): Riverside-San Bernardino-Ontario, CA (#40140)
    CBSA Metro Statistical Area: Riverside-San Bernardino-Ontario, CA (#40140)
  • Financial Summary
  • Total assets: $251.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $124Total assets
  • $251,715Cash and due from depository institutions
  • $22,549Interest-bearing balances
  • $0Securities
  • $26,815Federal funds sold & reverse repurchase agreements
  • $15,000Net loans & leases
  • $174,673Loan loss allowance
  • $2,380Trading account assets
  • $0Bank premises and fixed assets
  • $5,767Other real estate owned
  • $2,928Goodwill and other intangibles
  • $3,603Life insurance assets
  • $380All other assets
  • $0Total liabilities and capital
  • $251,715Total liabilities
  • $228,418Total deposits
  • $224,241Interest-bearing deposits
  • $147,325Deposits held in domestic offices
  • 224241.00%% insured (estimated)
  • $69Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,271Subordinated debt
  • $0All other liabilities
  • $1,906Total equity capital
  • $1,906Total bank equity capital
  • $23,297Perpetual preferred stock
  • $0Common stock
  • $2,738Surplus
  • $4,795Undivided profits
  • Memoranda
  • $15,764Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,505Income earned, not collected on loans
  • $1,339Earning assets
  • $216,488Long-term assets (5+ years)
  • $13,322Average Assets, year-to-date
  • $237,198Average Assets, quarterly
  • $250,037Volatile liabilities
  • $38,491Insider loans
  • $6,295FHLB advances
  • $0Loans and leases held for sale
  • $93Unused loan commitments
  • $51,325Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $22,785Total risk weighted assets
  • $216,598Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $17,402Total interest expense
  • $5,292Net interest income
  • $12,110Provision for loan and lease losses
  • $75Total noninterest income
  • $2,240Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,513Trading account gains & fees
  • $0Additional noninterest income
  • $727Total noninterest expense
  • $9,706Salaries and employee benefits
  • $5,225Premises and equipment expense
  • $1,556Additional noninterest expense
  • $2,925Pre-tax net operating income
  • $4,569Securities gains (losses)
  • $0Applicable income taxes
  • $1,690Income before extraordinary items
  • $2,879Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,879Net charge-offs
  • $285Cash dividends
  • $1,232Sale, conversion, retirement of capital stock, net
  • $752Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.67%Cost of funding earning assets
  • 2.64%Net interest margin
  • 6.03%Noninterest income to earning assets
  • 1.12%Noninterest expense to earning assets
  • 4.83%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 1.93%Return on equity (ROE)
  • 13.01%Retained earnings to average equity (YTD only)
  • 7.44%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 26.32%Efficiency ratio
  • 67,429Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.79%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 158.14%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 77.90%Net loans and leases to core deposits
  • 92.90%Equity capital to assets
  • 9.26%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 10.52%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $237,198Average earning assets
  • $22,125Average equity
  • $200,766Average loans

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