Central Valley Community Bank in Fresno, California (CA)

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Central Valley Community Bank
GeneralFDIC Certificate #: 23030
Status: Active
Federal Reserve ID: 703767
Bank Holding Company (Regulatory Top Holder): Central Valley Community Bancorp (RSSDID: 2935405, Location: Fresno, CA)
Date Established: January 10, 1980
WWW: http://www.cvcb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 17 (Domestic: 17, Interstate: No)
FDIC's unique #: 16124
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 10, 1980
Last Structure Change Effective Date: November 13, 2008
Last Structure Change Process Date: November 25, 2008
Last Data Update: November 25, 2008
Data Source Date: April 05, 2012
LocationAddress: 7100 N. Financial Drive, Suite101, Fresno, CA 93720
County: Fresno
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Sacramento
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Fresno, CA (#2840)
Combined Statistical Area (CSA): Fresno-Madera, CA (#260)
Core Based Statistical Area (CBSA): Fresno, CA (#23420)
CBSA Metro Statistical Area: Fresno, CA (#23420)
History of ChangesParticipated in Absorption/Consolidation/Merger
Change in Location
Financial SummaryTotal assets: $848.4 mil
Equity capital: $111.2 mil
Deposits held in domestic offices: $714.0 mil
Return on assets (ROA): 0.85% ($7.2 mil)
Quarterly return on assets: 0.86% ($7.3 mil)
Return on Equity (ROE): 6.44% ($7.1 mil)
Quarterly return on equity: 6.53% ($7.2 mil)
Net income: $6.9 mil
Quarterly Net income: $1.8 mil
Pretax return on assets: 1.11% ($9,416.8 mil)
Quarterly Pretax return on assets: 1.14% ($9,671.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)210
Total assets$848,360
Cash and due from depository institutions$43,876
Interest-bearing balances$24,467
Federal funds sold & reverse repurchase agreements$928
Net loans & leases$415,999
Loan loss allowance $11,396
Trading account assets$0
Bank premises and fixed assets$5,548
Other real estate owned$0
Goodwill and other intangibles$24,360
All other assets$29,236
Life insurance assets$848,360
Total liabilities and capital$737,158
Total liabilities$713,956
Total deposits$504,981
Interest-bearing deposits$713,956
Deposits held in domestic offices$76
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,000
Other borrowed funds $0
Subordinated debt $19,202
All other liabilities $111,202
Total equity capital$111,202
Total bank equity capital$111,202
Perpetual preferred stock$0
Common stock$6,465
Undivided profits $53,685
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $14,434
Earning assets $65
Long-term assets (5+ years) $3,953
Average Assets, year-to-date $769,807
Average Assets, quarterly $310,034
Volatile liabilities $803,602
Insider loans $841,253
FHLB advances $509,225
Loans and leases held for sale $814,853
Unused loan commitments $11,655
Tier 1 (core) risk-based capital $11,655
Tier 2 risk-based capital $81,599
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $128,585
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $34,308
Total interest expense $2,842
Net interest income $31,466
Provision for loan and lease losses $1,050
Total noninterest income $5,992
Fiduciary activities $0
Service charges on deposit accounts $2,903
Trading account gains & fees $0
Additional noninterest income $3,089
Total noninterest expense $27,740
Salaries and employee benefits $15,762
Premises and equipment expense $3,795
Additional noninterest expense $8,183
Pre-tax net operating income $8,668
Securities gains (losses) $267
Applicable income taxes $2,081
Income before extraordinary items $6,854
Extraordinary gains - net $0
Net income attributable to bank $6,854
Net charge-offs $0
Cash dividends $6,854
Sale, conversion, retirement of capital stock, net $668
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.73%
Cost of funding earning assets 0.39%
Net interest margin 4.34%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 3.83%
Net operating income to assets 0.83%
Return on assets (ROA) 0.85%
Pretax return on assets 1.11%
Return on equity (ROE) 6.44%
Retained earnings to average equity (YTD only) 6.44%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 157.19%
Efficiency ratio14.55%
Assets per employee$72,951
Cash dividends to net income (YTD only)4.04%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.67%
Noncurrent assets plus other real estate owned to assets 78.95%
Noncurrent loans to loans 1.70%
Net loans and leases to deposits3.38%
Net loans and leases to core deposits 58.27%
Equity capital to assets 63.18%
Core capital (leverage) ratio 13.11%
Tier 1 risk-based capital ratio 10.01%
Total risk-based capital ratio 16.02%
Average assets$17
Average earning assets$803,602
Average equity $106,469
Average loans $725,159
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17 California Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
016124Central Valley Community Bank7100 N. Financial Drive, Suite101, Fresno, CA 93720January 10, 1980Full Service Brick and Mortar
2255821Foothill Branch29430 Auberry Road, Prather, CA 93651December 14, 1987Full Service Brick and Mortar
4255823Herndon & Fowler Branch1795 Herndon Ave Ste 101, Clovis, CA 93611August 15, 1995Full Service Brick and Mortar
5255824River Park Branch8375 North Fresno Street, Fresno, CA 93720August 15, 1995Full Service Brick and Mortar
6295019Fig Garden Branch5180 North Palm Avenue, Suite 105, Fresno, CA 93704April 15, 2000Full Service Brick and Mortar
7363407Gold River Branch2339 Gold Meadow Way, Ste. 100, Gold River, CA 95670April 04, 2002Full Service Brick and Mortar
8422315Kerman Branch360 S. Madera Avenue, Kerman, CA 93630October 15, 2002Full Service Brick and Mortar
973863Oakhurst Branch40004 Hwy 41 Ste 101, Oakhurst, CA 93644October 18, 1999Full Service Brick and Mortar
10358792Madera Branch1919 Howard Road, Madera, CA 93637October 02, 2000Full Service Brick and Mortar
11452940Downtown Branch2404 Tulare St, Fresno, CA 93721Febuary 13, 2006Full Service Brick and Mortar
13456867Sunnyside Office570 S. Clovis Avenue, Suite 101, Fresno, CA 93727November 13, 2006Full Service Brick and Mortar
14468281Clovis Branch600 Pollasky Avenue, Clovis, CA 93612October 01, 2007Full Service Brick and Mortar
1576182Stockton Branch2800 West March Lane, Suite 120, Stockton, CA 95219November 10, 1999Full Service Brick and Mortar
16290903Tracy Branch60 West Tenth Street, Tracy, CA 95376November 10, 1999Full Service Brick and Mortar
17453087Lodi Branch1901 Kettleman Drive, Lodi, CA 95242June 30, 2006Full Service Brick and Mortar
18510753Merced Office Branch3337 G St, Merced, CA 95340August 03, 2009Full Service Brick and Mortar
19521494Modesto Branch300 Banner Ct Ste 2, Modesto, CA 95356September 20, 2010Full Service Brick and Mortar
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