First California Financial Group, Inc. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis

First California Financial Group, Inc. Fundamental Company Report provides a complete overview of the company’s affairs. All available data is presented in a comprehensive and easily accessed format. The report includes financial and SWOT information, industry analysis, opinions, estimates, plus annual and quarterly forecasts made by stock market experts. The report also enables direct comparison to be made between First California Financial Group, Inc. and its competitors. This provides our Clients with a clear understanding of First California Financial Group, Inc. position in the Banks and Thrifts Industry.

• The report contains detailed information about First California Financial Group, Inc. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
• Another part of the report is a SWOT-analysis carried out for First California Financial Group, Inc.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
• The First California Financial Group, Inc. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
• In the part that describes First California Financial Group, Inc. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
• Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of First California Financial Group, Inc. business.

About First California Financial Group, Inc.

First California Financial Group, Inc. operates as the holding company for First California Bank, which provides banking products and services to individuals, professionals, and small to mid-sized business borrowers.

The company’s operations are primarily located within the areas commonly known as the 101 corridor stretching from the City of Ventura to Calabasas, California, the Moorpark-Simi Valley corridor, the western San Fernando Valley, the Tri-Cities area of Glendale-Burbank-Pasadena, the South Bay, the Inland Empire, north San Diego County, Century City and other parts of Los Angeles, Orange and Ventura Counties in southern California.

The company provides a range of deposit and investment products serving the banking needs of businesses and consumers in Los Angeles, Orange, Ventura, San Diego, Riverside, and San Bernardino counties through traditional business and consumer banking, construction finance, SBA lending, entertainment finance and commercial real estate lending via 17 full-service branch locations. It provides convenience through banking offices with ATM access, 24 hour telephone access to account information, on-line banking, courier service, and remote deposit capture. Business customers are offered cash management products, including on-line banking and remote deposit capture, to meet their specific banking needs. It maintains an Internet Web site, which serves as an additional means of providing customer access to various banking services, including 24/7 online banking.

Lending Activities

The company’s lending products include revolving lines of credit, term loans, commercial real estate loans, construction loans, and consumer and home equity loans.

Commercial real estate loans rely upon the cash flow originating from the underlying real property. Commercial loans rely upon the cash flow originating from the underlying business activity of the enterprise. Construction loans provide developers or owners with funds to build or improve properties that would be sold or leased. Consumer loans are represented by home mortgages and home equity loans and lines of credit that are secured by first or second trust deeds on a borrower’s real estate property, typically their principal residence.

Investment Portfolio

As of December 31, 2009, the company’s investment portfolio included U.S. treasury notes/bills, U.S. government agency notes, U.S. government agency mortgage-backed securities, U.S. government agency collateralized mortgage obligations, private label collateralized mortgage obligations, municipal securities, and other domestic debt securities.

Deposits

As of December 31, 2009, the company’s deposits included noninterest bearing checking; interest checking; savings and money market accounts, retail time deposits; and time deposits.

History

First California Financial Group, Inc. was founded in 1981.