1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Northern California Bancorp, Inc.

Northern California Bancorp, Inc.

NRLB
Northern California Bancorp, Inc.US flagOther OTC
0.04
USD
- -
- -
1.89MMarket Cap
2004 Y
2005 Y
2006 Y
2007 Y
2008 Y
2009 Y
2010 Y
2011 Y
TTM
Revenue per Share
5.69
7.05
9.48
7.43
6.46
9.66
8.53
6.35
6.32
Basic EPS, GAAP
0.66
1.2
2.31
1.08
0.8
0.9
-0.4
-7.64
-6.23
Free Cash Flow per Basic Share
-1.05
1.43
3.63
-0.79
3.28
-1.64
-1.41
1.16
0.32
Dividend per Share
0.16
0.2
0.36
0.26
0.25
- -
- -
- -
- -
Book Value per Share
4.51
5.51
7.48
8.03
5.2
6.19
5.82
-1.83
1.62
Tangible Book Value per Share
4.55
5.53
7.47
8.08
7.87
9.02
8.01
2.01
2.29
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
Sales/Revenue/Turnover
9
11
16
13
12
17
15
11
11
Operating Margin (%)
20.18
30.04
42.59
25.65
14.79
5.5
-13.63
- -
-17.12
Depreciation Expense
- -
- -
1
- -
- -
- -
- -
- -
- -
Net Income, GAAP
1
2
4
2
1
2
-1
-14
-11
Effective Tax Rate (%)
42.29
43.56
42.76
43.35
16.12
- -
- -
- -
0.09
Profit Margin (%)
11.65
16.95
24.38
14.53
12.41
9.31
-4.63
-120.36
-98.55
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
28
33
43
61
75
37
33
31
31
Total Equity
7
9
12
14
14
16
14
4
4
Return on Invested Capital (%)
- -
5
7.89
2.95
1.75
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
23.89
35.99
14.42
12.28
15.66
-6.57
- -
-188.18

Capital Structure

FRC

•

in mil. unless spec.
Sep'11
Dec'11
Mar'12
ST Debt
3
3
3
LT Borrowings
31
31
31
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
1
1
1

Working Capital

FRC

•

in mil. unless spec.
Sep'11
Dec'11
Mar'12
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
30
11
30
Accounts Receivable, Net
5
3
3
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4
5
4
ST Debt
3
3
3
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
-11.59%
-74.87%
Free Cash Flow
- -
-198.62%
-182.32%
Net Income, GAAP
- -
325.23%
1,833.71%
Sales/Revenue/Turnover
- -
-3.51%
-25.56%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2010
3
3
4
5
15
2011
3
3
3
3
11
2012
3
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2010
-0.03
-0.15
-0.57
- -
-0.4
2011
-0.82
-1.82
-0.4
- -
-7.64
2012
0.6
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2010
- -
- -
- -
- -
- -
2011
- -
- -
- -
- -
- -
2012
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Charles T. Chrietzberg Jr.
Full Time Employees
48
Sector
Financial Services
Industry
Banks - Regional
Address
601 Munras Avenue Monterey CA United States of America 93940
IPO Date
Sep 19, 2007
Website
montereycountybank.com
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Business
Northern California Bancorp, Inc. (NRLB) is the holding company for Monterey County Bank, which provides retail and commercial banking products and services to individuals and small- to medium-sized businesses primarily in Monterey County, California. Founded in 1983 and headquartered in Monterey, California, the bank offers deposit products including personal and business checking accounts, savings accounts, money market investment accounts, certificates of deposit, and individual retirement accounts; lending products focused on commercial real estate loans, commercial and industrial loans, small business administration (SBA) 7(a) loans--where it ranks as the leading provider in Monterey County--and secured term loans for business expansion or refinancing; and additional services such as merchant credit card processing, debit cards, drive-through facilities, night depositories, safe deposit boxes, cashier's checks, wire transfers, remote deposit capture, and ACH origination for payroll processing. The bank operates four branches on the Monterey Peninsula in Monterey, Pacific Grove, Carmel Rancho, and Salinas. In August 2024, Northern California Bancorp merged with PCB Financial, Inc., becoming a wholly owned subsidiary and transitioning to private ownership, which enabled Monterey County Bank to increase lending limits, introduce loans for investment and owner-occupied properties, add lines of credit and short-term working capital solutions, and launch new treasury products including remote deposit capture. Recent enhancements also include ATM upgrades at the Monterey branch for 24/7 cash and check deposits, alongside a refreshed website and ongoing rollout of new digital banking features as of early 2025.