Chino Commercial Bancorp reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2012. For the quarter, the company reported total interest income of $1,057,277 compared to $1,061,270 a year ago. Net interest income was $956,008 compared to $926,160 a year ago. Income before income tax expense was $164,388 compared to $265,616 a year ago. Net income was $107,796 or $0.13 basic and diluted per share compared to $167,928 or $0.22 basic and diluted per share a year ago. Annualized return on average equity was 4.96% compared to 9.13% a year ago. Annualized return on average assets was 0.37% compared to 0.63% a year ago.

For the year, the company reported total interest income of $4,056,713 compared to $4,319,097 a year ago. Net interest income was $3,654,006 compared to $3,723,284 a year ago. Income before income tax expense was $925,102 compared to $671,086 a year ago. Net income was $589,766 or $0.72 basic and diluted per share compared to $441,401 or $0.59 basic and diluted per share a year ago. Annualized return on average equity was 7.07% compared to 6.10% a year ago. Annualized return on average assets was 0.53% compared to 0.41% a year ago.