# FIRST CALIFORNIA BANK
WESTLAKE VILLAGE, CA · FDIC certificate 22819 · asset band $1-10B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.74B | |
| Deposits | $1.36B | |
| Loans and leases | $1.13B | |
| Total equity | $260.0M | |
| Loans / deposits | 81.39% (p57 of band) | 77.83% |
| Liquid assets / assets | 25.05% (p39 of band) | |
| Uninsured deposits / deposits | 45.86% (p92 of band) | 20.86% |
| Brokered deposits | 7.79% | |
| Wholesale funding | 13.93% (p76 of band) | |
| FHLB advances / assets | 5.57% | |
| Tier 1 leverage | 11.08% (p75 of band) | 9.62% |
| Unrealized securities loss / equity | -0.37% (p5 of band) | 3.09% |
| AOCI / equity | -0.09% (p67 of band) | |
| ROA (annualized) | 0.23% (p9 of band) | 0.87% |
| Net interest margin | 3.56% (p56 of band) | 3.49% |
| Efficiency ratio | 90.61% (p93 of band) | |
| Noncurrent loans | 2.92% (p77 of band) | 1.52% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 55.42% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 21.65% (p39 of band) | |
| Auto loans | $475,000 (0.04% of loans; DQ 3.37%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -7.6% | |
| Employees | 263 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 | uninsured deposits >50% | capital falling |
| 2012-12 | 1 |  | uninsured deposits >50% |
| 2013-03 | 4 | expense ratio p90, deposits shrinking, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2011-10-07 [Executive Moves For September - North America - Family Wealth Report](https://news.google.com/rss/articles/CBMinwFBVV95cUxQSWNOemRNeHBhRzB1enJpSGZXM2kyengwTDVpTnlZR1VZOG5Nc1pObzI4U1hiaUk2SGE3ZU9oRXM1ekJmZVlaUEwzeUJUbnJ5WXRoRnpveTdQM29UdndBQjNEc2dleXY2NkIxd0pldEhBekJhQUdVMHZMWFhrWkxPZDdRUXBxaFhpN3lSNFJxWFZLVXZMUzd5OFlUR1hLSzA?oc=5) · Family Wealth Report
- 2017-10-07 [Bank Pays $1.75M Over Treasurer Likened to Bernie Madoff - NBC Los Angeles](https://news.google.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?oc=5) · NBC Los Angeles
- 2012-08-19 [Washington State Bank Invests in L.A. Presence - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSGpRNkRneDl1aFk4b0tQQzVvZVg4THdaaUx6RUhpZ3pOalBnZ3pGRjIzNGpKMFJGN1NiMDJmQ1NjSk5GbW5BaGtNckFlaGhZNnZfN2gtWjRaRnpnUi0wQzF2YjFtSDI1cUI4WUJiYlVjZ0RRUVdSMUtQOUZfMlRpLURHTDlmZw?oc=5) · Los Angeles Business Journal
- 2011-12-06 [Man Pleads Guilty In 'Tri-Cities' Bank Robberies - CBS News](https://news.google.com/rss/articles/CBMikAFBVV95cUxPYmI5M1NTeHEwNVVHbkFVTEkzemU5WHUxbkpET3UzLWxZQlU1WVl6Q29UZzFxNzJ4ZFFvRzljR0VSRVdKSEJnMnB6YkVjM3REV1MyOU83eTBBOWRHZWJOLURYOUVuQnMzSVNaRnJ4eXhsMWl4N20tRmEtZW92S0NtUFFwa1R3RlRiMU5UVEI1RDI?oc=5) · CBS News
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2014-07-18 [Police say gunmen in Stockton shootout were gang members - SFGATE](https://news.google.com/rss/articles/CBMimAFBVV95cUxNWXRHeTFWQVRjR3hwMHlGSmtZVnROdXVTWXdzUnM1RHh0UnpIYzZBQVkydzBNcHZPdnVLbnMxMFhXZkNOWndDQnBDb2MySk5qY1JBdEpzNl9ZSzNXRnFraWZZendQbE1zU0tyaTY0andzUmFJNjVFNUxWU0Y1dE9oMnlNMUc4NHRLUnJTVmZPVUo4U0oxTXF4VA?oc=5) · SFGATE
- 2021-10-09 [Gerald Bruver Obituary (1940 - 2019) - Los Angeles, CA - Los Angeles Times - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQenVQTGJGVHVXa1FLSmZhdmtCMzRWSHdmaHZXRURSU1pyYVRJZUItZXprOUFoN3hJdHNOMFlhNFBYRjNRRGU1b2VGeXZKZ0ZWRnFuM2pwbHIxR25SVzVnaW1fUUJMNU1aNTIwTzB4eHRrXzE5SkFWWFV1dHRiNnRHMVptUFd2WmpYbTVZ?oc=5) · legacy.com
- 2011-11-16 [SCVBank Announces the Appointment of Cheryl L. Knight as President and Chief Executive Officer - The Fillmore Gazette](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNU3NleW5qVG5idEpkeGRZdFdnakctMWhBUDI4bGZiaDk2NGszYVdGX0RZWGQ5TjFPbjNYR0t6UjJNNy1TZ2t2WGlzdzRwUE5DOGNSampiSjdGVjhJMUlKWjVRbFpXT0lDbW9CQ3dQUW1YV2p4QTEtMUFJTG5xSTg5cHRwTTE5dlVLQlBGNWdnZ0JRMWRRMjBTQ2xzSHQyb2F2MWdlb3E4b1BENi1uRHk0TWk2QXRqZDNMRFdWLWlFZ1Frdw?oc=5) · The Fillmore Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22819 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "22819", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide