FNB NEWS - First National Bank

FNB
News
FNB
First National Bank of Northern California
Mail Center
450 Cabot Road
South San Francisco, CA 94080
NEWS
FIRST NATIONAL BANK OF NORTHERN CALIFORNIA
Volume 5, Issue 3
Return Service Requested
Summer, 2010
Message from the CEO
Coming Soon!
A
fter 45 years of dedicated service, we are
saddened to see our Eureka Square Branch
close. Did you know that we financed the first
fire engine for the City of Pacifica in the mid 60’s? The
overwhelming number of inquires that we have received
about the future of our Eureka Square team members
again goes to show that being known as the “Family
Bank” goes both ways. We are pleased to inform
everyone that we were able to place ALL of the
employees throughout the bank, and you will see three
familiar faces at our Linda Mar branch.
Change is inevitable and can be good. As we consolidate our two Pacifica branches,
we are pleased to be able to provide an Intelligent Deposit ATM machine in Eureka
Square, and coming soon in the Manor Shopping Center.
Our Vision: To dedicate ourselves to developing relationships with our customers to fully meet their needs for quality banking products and services.
Branch Locations & Hours
SAN FRANCISCO*****
699 Portola Drive
San Francisco, CA 94127
South San Francisco
975 El Camino Real
South San Francisco, CA 94080
650 997.3100
PACIFICA
Eureka Square Shopping Center
Pacifica, CA
–ATM Only–
415 661.4800
650 583.8450
Daly City
6600 Mission Street
Daly City, CA 94014
PACIFICA
1450 Linda Mar Shopping Center
Pacifica, CA 94044
SAN FRANCISCO***
65 Post Street
San Francisco, CA 94014
OPEN: Monday - Thursday: 9 am
- 5 pm, Friday: 9 am - 6 pm,
Saturday: 9 am - 1 pm
650 992.8800
650 359.5811
415 781.0600
HALF MOON BAY
756 Main Street
Half Moon Bay, CA 94019
Pescadero**
239 Stage Road
Pescadero, CA 94060
san mateo
150 E. Third Avenue
San Mateo, CA 94401
650 726.6373
650 879.0785
650 340.1033
millbrae/san bruno
1551 El Camino Real
Millbrae, CA 94030
redwood city*
700 El Camino Real
Redwood City, CA 94063
South San Francisco*
211 Airport Blvd.
South San Francisco, CA 94080
650 871.4400
650 299.0700
650 873.0211
Exceptions:
*Monday - Friday: 9 am - 6 pm
**Monday - Thursday: 9 am - 4 pm,
Friday: 9 am - 6 pm
***Monday - Friday: 9 am - 5 pm
****Monday - Friday: 9 am - 5 pm,
Saturday: 9 am - 1 pm
*****Monday - Thursday: 9 am
- 5 pm, Friday: 9 am - 6 pm
Colma*
1300 El Camino Real
Colma, CA 94014
EQUAL HOUSING
LENDER
www.fnbnorcal.com
member
FDIC
In this issue, you will find updates on online account opening and mobile banking,
a profile on Director Tom Atwood, and a reminder that we continue lending during
these difficult economic times. As always, and particularly in these uncertain times,
we feel more strongly than ever that you continue to have access to our officers,
managers, and management. We know that those who bank with Wells, B of A,
Citibank etc., would have a pretty difficult time speaking with the CEO, CFO,
President or Chief Operating Officer but at
First National Bank of Northern California,
we are all just a phone call away,
(650) 875-4865!
Thank you for your support through these
challenging last few years. We know you have
choices in where you bank and we are most
grateful for your faith in us.
Sincerely,
Open your acount here!
Open an Account
Online with the
“Family Bank of the
Bay Area”
F
irst National Bank of Northern
California is gearing up for an
exciting online service that will
allow customers outside the communities
we currently serve to become part
of our family.
Open an Account Online with the
“Family Bank of the Bay Area”
Longevity in the Job: Why Our
Employees Stay
Linda Mar: Looking Good!
Tom Atwood Returns to the Board
Tom McGraw, CEO
Intelligent Deposit ATM Coming Soon
We’re Still Lending
Identity Theft Seminar
Soon the convenience of opening
an FNB account via the Internet
will be a reality. We’re looking for
new customers in the nine Bay
Area counties: Alameda, Marin,
Contra Costa, Napa, Santa Clara,
Solano, Sonoma, and of course
San Francisco and San Mateo,
where we already have branch
locations.
Both new and existing customers
can take advantage of opening an
online account with us.
Look for its availability later
this year. n
Longevity in the Job:
Why Our Employees
Stay
I
n a word, it’s the people. Talk to FNB
employees, and they’ll say it’s the
folks they work with, colleagues,
subordinates, and top management, that
keep them coming back day after day.
They are
treated well
and, in turn,
“It truly is a
treat each
family bank.
other well.
They care
about their
customers.
They care
about their
community,
and mostly
they care
about their
employees.
It has been a
fabulous place
to work,”
said Chuck.”
This
translates to
a sincere and
caring
attitude
towards the
customer.
Edwin
Arriola,
Director
of Human
Resources,
remembers
his first
encounter
with the
quality of
FNB
employees
when he
started at
the bank in June 1998. “The thing that
impressed me was that everyone was on
a first name basis,” he explained.
“During my first week, I went out and
observed at one of the branches. And
while I was there, I heard the
branch manager call a customer and let
him know that his account was on the
verge of being overdrawn. That just blew
my mind, because I
was used to getting a
notice in the mail from
my bank, saying your
account is overdrawn,
and here is a charge for
25 bucks.”
ServiceOriented Job
Applicants
First National Bank
looks for job
candidates who
understand the bank’s
philosophy. “As we go
through an interview,
Chuck Key
we sometimes realize that the individual’s
focus is on selling. That’s not
necessarily what we want. Our focus is
service,” said Arriola. “Customer-service
oriented employees take care of people,
and sell them only what they need.”
Service-Oriented Training
The bank has a customer service
excellence program for all new hires,
which introduces the FNB brand of
banking: building relationships and
taking care of customers. This is the big
difference between a large bank and a
small community bank, such as FNB.
Here, you can actually talk to someone.
And, if you have a problem, an employee
will solve it or find someone who can,
instead of handing you off to voice mail in
another department.
There are also specific training
programs grounded in a service-oriented
approach. Some examples are Teller
Training, where all new tellers
(experienced or not)
learn our particular
system; Branch
Manager Training
that puts new
managers in touch
with every aspect of
the bank before going
into the branch; and
Supervisory
Training, a basic
training course on
how to motivate
people, interview
prospective
employees,
and handle
difficult situations.
Linda Mar: Looking Good!
L
et’s face it, the FNB Linda Mar branch was looking old and tired. Well,
not any more. It has been completely remodeled inside and out and
updated with state-of-the-art banking services. In fact, you may not
recognize the branch, as was the case with some of its customers.
Branch Manager Hem Patel explained: “Customers who come in less
frequently, would stop and ask, ‘This is First National, right?’ And all of our
employees responded with an enthusiastic, ‘Yes!’”
This long needed lift has taken Linda Mar’s image from “a blast from the past”
to a contemporary look and feel, and has given the branch a
high profile in the neighborhood.
In addition, the Linda Mar family has grown. Former
Eureka Square customers have now relocated here. “We
are sad to lose our sister branch and aim to make its
customers feel right at home,” continued Hem. “The
concurrent closure of Eureka Square and the finished
remodel at Linda Mar will usher in a fresh beginning for
all our Pacifica customers.”n
Long-Term Anniversaries
The FNBNC family is celebrating many
significant anniversaries; they began
in the last quarter of 2009 and goes
well into 2010 of which there are nine
employees who have been with the bank
for 10 years, three for 15 years, five for
20 years, one employee for 30 years and
another for 40 years.
Chuck Key—40-year
anniversary, October 2010.
When the fledging computer
department booted up in 1970, Chuck
was hired as data processing manager.
He’s been with FNB ever since and is
now head of the IT department.
“Pretty much the reason I stayed is
because of Rick Lagomarsino, Chuck
Turner, Mike Wyman and the Board
of Directors, Jim Black, Tony Clifford,
Tom McGraw…and my coworkers
throughout the years. It truly is a family
bank. They care about their customers.
They care about their community, and
mostly they care about their employees.
It has been a fabulous place to work,”
said Chuck.
Olivia Vega—30-year
anniversary, June 2010.
Olivia’s sister worked for FNB and told
her they were hiring. She got the job
and has been here ever since, working
in the Colma, South San Francisco, and
Daly City branches as a teller and then
operations supervisor.
“The most important reason I’ve stayed
is because of the way the bank treats its
employees. Everyone I’ve worked with has
been wonderful. We have an open door
policy, if we have a problem, we can go
to our immediate supervisor, HR, or even
Tom McGraw and talk about any issues
we have,” said Olivia.
Genuine People
“What really captivates me about FNB is
that it’s genuine. When we tell people that
we care for them, whether they are
employees or customers, we really do, and
that filters from the top down. It is just
a good place to work,” said HR Director
Edwin Arriola.
“That’s as simple as I can put it.”n
Interested
in Mobile
Banking?
If you were able to receive
text message notifications
from FNBNC, check
balances, transfer funds and to perform
other functions on your mobile device,
would it be of interest to you?
We are looking into fully integrated,
secure and encrypted systems that would
allow us to provide this service.
Please let me know if a service like
this would be of interest to you at
tmgraw@fnbnorcal.com.n
3
Tom Atwood Returns to the Board
First National Bank of Northern California Privacy Policy
T
he directors, management, and staff of First National Bank of Northern California are concerned about
and respect the privacy of our customers’ personal financial information. We understand that our customers
furnish sensitive information to us in the course of daily business, and we are committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.
TYPES OF INFORMATION WE COLLECT
We collect non public personal information about you from the following sources:
n
Information we receive from you on applications or other forms;
n
Information about your transactions with us or others; and
n
Information we receive from a consumer reporting agency.
T
he surname Atwood might be familiar to you,
T. Galt Atwood was one of the FNB founding board
members when the bank opened in 1963. He passed
away in 1977, and his son, Tom, took his seat, retaining it
until 1996.
After an interim of 14 years, Tom Atwood is back on the First
National Bank board of directors. “I’m happy to return,” he said.
“I think it’s a great community bank. It serves the community
well and has great personnel. The fact that employees stay for
such a long time shows that they’re treated well.”
Like his father, Tom Atwood had a dental practice for many
years, eventually moving into real estate investment. In addition,
he grows grapes and raises quarter horses in Sonoma County. “I always liked agriculture. My folks had a 20-acre place in the Napa
Valley, and my dad had a few horses,” said Tom.
TYPES OF INFORMATION WE DISCLOSE
We do not disclose any non public personal information about our customers or former customers to anyone, except
as required by law or in the course of normal banking business. For example, we provide balance information to ATM
networks so that they are able to release cash to you while you are using another financial institution’s ATM.
SAFEGUARDING CUSTOMER INFORMATION
We restrict access to non public personal information about you to those employees who need to know that
information to provide products or services to you. For example, information in loan files can only be accessed by
employees who work in the loan origination or loan operations departments. We maintain physical, electronic and
procedural safeguards that comply with federal standards to guard your non public personal information.
All employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding
customer information. The human resources manager and the appropriate department manager will take disciplinary
action against any employee who violates our Bank’s privacy policy and procedures.
If we change our policy or practice by, for example, adding a category of information that will be disclosed to a third
party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.
The board of directors approved and adopted this policy on November 29, 2000 and amended it on May 18, 2005.n
He also has much in common with board member Ron Barels (profiled in the last newsletter). They practiced dentistry together
and are now partners and directors in the Cypress Abbey Company.n
Intelligent Deposit ATM Machine Coming Soon
We recently consolidated our two Pacifica locations by merging Eureka Square with the newly
renovated Linda Mar branch, offering one central, modern banking facility.
For your convenience, an interior kiosk a few doors down from the former Eureka Square
location will provide 24/7 banking at your fingertips. The new kiosk is almost like walking
into a mini-FNB where you will be able to do just about anything, outside of opening an
account or requesting a loan, that you could do in a full-service branch.
Think of our Intelligent Deposit ATM as a teller machine with a high IQ! In addition to
the usual range of capabilities; when depositing cash it will read and count each note and
provide a breakdown on the receipt. When you deposit a check, it will print the image of
your check right on your receipt. This will make your life easier and more accurate
because you will no longer need to fumble with deposit envelopes and your ATM receipt
will give you a more complete proof of deposit.
Breaking News: We anticipate installation of another state-of-the-art Intelligent Deposit ATM in the Manor Shopping Center very
soon. Please check our web site or ask for more details when you visit any of our branches.n
Photos by Scott Buschman
Photography
lending, that’s not true at FNB. We are
looking to make loans to creditworthy
borrowers.
Further, many creditworthy individuals
are unhappy with their current situation.
It might be that they have a commercial
loan with a regional bank that’s been taken
over by a large institution. Suddenly, their
loan officer is a stranger.
Or, perhaps a large impersonal bank has
swallowed a smaller bank and arbitrarily
changed the rules of the game—such as,
“We are not
making loans
to trucking
companies.”
So if you’re a
trucking
company,
where do
you go?
Reina Ceja and Randy Brugioni
We’re Still Lending!
T
he fact is, we’ve never stopped,
unlike some of the large banks
that made many risky loan
decisions and got into serious trouble.
At First National Bank of Northern
California, we have always been a
conservative lender.
Commercial Loans
The financial reality: anyone
looking for a commercial loan will
face a high level of scrutiny. While
you may hear that banks are not
Retail Lending
“Many of our customers are small retail
establishments that have been with
the bank for many generations and
continue to be our borrowers,” said
Reina Ceja, VP Commercial Loan
Officer and Supervisor.
Reina works with the retail side of
lending which includes working closely
with the branches and oversees the
Underwriting for a variety of loan types.
I guess you can basically say she is
WE’RE
LENDING!
-Jim Black, President, FNBNC
At FNB, we
deal with each
• Rates as low as 5%
individual
• Business Line of Credit
borrower on
• No application fees or upfront fees!
a transactionby-transaction
basis. And,
involved in everything that has to do
we’re consistent. Our senior management
with loans.
team and most decision makers are the
same familiar faces that have been with the Personal Touch in
Tough Times
bank for decades. Over the years we have
not changed our philosophy, we’ve never
Many of our borrowers are repeat
been a “have a pulse, get a loan” bank.
customers, and some are going through
tough times. When this happens, we
“You get the smoke and mirrors from
don’t abandon them the minute we hear,
some of the big banks,” said Randy
“I’ve lost my job” or “My business is
Brugioni, Head of the FNB Loan
down 50%.” We roll up our sleeves, talk
Department. “They say one thing, and
then come back with something else. If we with them person to person, and try to
find a positive outcome for all concerned.
say we’re going to do it, and everything
This personal touch is modus operandi
checks out, we do it.”
for FNB. “If our clients are hurting,
we’re hurting too. We’ve lived through
rough spots with some of our
customers, many of whom we have
known for decades, and see as friends
we care about. What do you do? You
try to find a way to help them,” said
Reina Ceja.
Join Us for a Complimentary Seminar on
Crime Trends, Identity Theft & Check Fraud
Presented by: Detective Collins, SSF Police Department
Loan Options
Date: Wednesday, September 22nd
Here’s how we can help local businesses
grow with commercial loans geared to
specific needs:
n
Business Line of Credit
n
Business Vehicle Financing
n
Business Credit Card
n
Accounts Receivable/Inventory
Financing
n
Equipment Loans
n
Commercial Real Estate
Plus, rates are as low as 5% and there are
no application fees or up front fees.
FNB: A Community Bank
Our mission is to support the
community. We do this by taking
deposits and loaning them to
creditworthy borrowers. These
dollars then get recycled in the
community, creating a better
quality of life and a healthier
economy. This is the opposite
of the large regional or national
banks that funnel money out of
the area to headquarters in New
York, Charlotte, or Minneapolis.n
Time: 6:30 - 8:00 pm
Place: 975 El Camino Real, South San Francisco, CA 94080
R.S.V.P. by 9/10/10 to Liz in Marketing
650 488-2236 or e-mail: marketing@fnbnorcal.com
Refreshments will be served
FNBNC & Rebuilding Together for 8 Years!
F
NB employees and their families joined together on Saturday,
April 24th 2010 to work on a South San Francisco home
and Tom McGraw, CEO demonstrates his hidden talent as a
house painter!n