Vitals
  • Total Assets
    110.4M 6.8 %
  • Total Deposits
    82.2M -7.5 %
  • Total Net Loans
    78.8M 18.1 %
  • Net Income
    749000.0000 -26.3 %
  • Book Value
    9.0M 10.5 %
  • Book Value x2
    18.1M 10.5 %
  • Book Value x3
    27.1M 10.5 %
ROAA

.979

ROAE

11.656

Efficiency Ratio

76.126

Net Interest Margin

4.705

Balance Sheet Highlights
Financial Highlights First National Bank Of North County All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 110,427 539,119
Total Net Loans 78,826 444,706
Total Deposits 82,154 399,972
Total Equity 9,032 66,397
Profitability
Net Income 749 15,570
Return on Average Assets .979 1.385
Return on Average Equity 11.656 11.184
Net Interest Margin 4.705 4.769
Efficiency Ratio 76.126 79.26
Noninterest Income/Revenue 9.94 13.37
Balance Sheet Ratios
Loan-to-Deposit 95.949 90.81
Securities/Assets .217 .605
Total Equity/Total Assets .082 .123
Tangible Equity/Tangible Assets .082 -.274
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 9,268 57,420
Tier 2 Capital 1,057 6,213
Total Capital 10,325 62,751
Total Risk Weighted Assets 97,218 447,363
Leverage Ratio 8.88 14.667
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.53 18.469
Total Capital Ratio 10.62 19.599

Timeline for First National Bank Of North County

First National Bank Of Southern California

First National Bank Of North County was acquired by First National Bank Of Southern California 16 years

View Profile Nov 11 2007

Duke Financial Group, Inc.

Duke Financial Group, Inc. became a new parent organization for First National Bank Of North County.

View Profile Jul 06 1995

Livingston & Company Southwest, L.P.

Livingston & Company Southwest, L.P. became a new parent organization for First National Bank Of North County.

View Profile Nov 30 1989

First National Bank Of North County

First National Bank Of North County was established 42 years ago and is currently headquartered in San Marcos, CA.

Apr 02 1982
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First National Bank Of Southern California Buyer 232,543 Pooling of Interests Discontinued 11/11/2007
Relationships Role Relationship Start Relationship End
Duke Financial Group, Inc. Parent 7/1/1997 11/10/2007
Duke Financial Group, Inc. Parent 11/21/1996 6/30/1997
Duke Financial Group, Inc. Parent 7/31/1996 11/20/1996
Duke Financial Group, Inc. Parent 12/22/1995 7/30/1996
Duke Financial Group, Inc. Parent 7/6/1995 12/21/1995
Livingston & Company Southwest, L.P. Parent 11/30/1989 7/5/1995
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