Contact Info

Michael J. Ramirez, Executive Vice President, Corporate Banking
First National Bank
401 West A St.
San Diego, CA 92101-7917
Phone/ Fax: (619) 338-1439
Fax (619) 235-1274
E-mail: mramirez@banksandiego.com

• Date opened for business: First National Bank originally opened in 1981. The bank became one of a combination of Rancho Santa Fe National Bank, Bank of Coronado and Capital Bank of North County in 2002. First National is a subsidiary of First Community Bancorp. (Nasdaq: FCBP)
  
  
• Assets as of latest quarter: $1.2 billion
  
  
• ROA: 2.11 percent
  
  
• Core capital as percentage of assets: 23.8 percent
  
  
• Provision for loan losses: $11.6 million
  
  
• Plant the flag: Thirteen branches in the San Diego region, from Oceanside to Escondido and south to the border. With Community Bancorp, a total of 26 branches.
  
  
• Employment: 194

Directors

• John Eggemeyer, Chairman, Castle Creek Capital
  
  
• Matt Wagner, President of Pacific Western National Bank (sister bank)

Niche or target customer

The bank says it mirrors the San Diego business community. Its target customers are small to medium sized businesses, entrepreneurs, high net worth individuals, legal, medical and accounting professionals and corporations, real estate developers and investors. Its loan limit is $20 million for any one customer, but the amount can be doubled with holding company assistance.