Central Valley Community Bank in Fresno, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Central Valley Community Bank in Fresno, California (CA)
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Central Valley Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total 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
  • 210Total employees (full-time equivalent)
  • $848,360Total assets
  • $43,876Cash and due from depository institutions
  • $24,467Interest-bearing balances
  • $328,413Securities
  • $928Federal funds sold & reverse repurchase agreements
  • $415,999Net loans & leases
  • $11,396Loan loss allowance
  • $0Trading account assets
  • $5,548Bank premises and fixed assets
  • $0Other real estate owned
  • $24,360Goodwill and other intangibles
  • $848,360Life insurance assets
  • $29,236All other assets
  • $737,158Total liabilities and capital
  • $713,956Total liabilities
  • $504,981Total deposits
  • $713,956Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $19,202Subordinated debt
  • $111,202All other liabilities
  • $111,202Total equity capital
  • $111,202Total bank equity capital
  • $0Perpetual preferred stock
  • $6,465Common stock
  • $51,052Surplus
  • $53,685Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,434Income earned, not collected on loans
  • $65Earning assets
  • $3,953Long-term assets (5+ years)
  • $769,807Average Assets, year-to-date
  • $310,034Average Assets, quarterly
  • $803,602Volatile liabilities
  • $841,253Insider loans
  • $509,225FHLB advances
  • $814,853Loans and leases held for sale
  • $11,655Unused loan commitments
  • $11,655Tier 1 (core) risk-based capital
  • $81,599Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $128,585Restructured Loans and leases
  • $1,391Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $34,308Total interest income
  • $2,842Total interest expense
  • $31,466Net interest income
  • $1,050Provision for loan and lease losses
  • $5,992Total noninterest income
  • $0Fiduciary activities
  • $2,903Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,089Additional noninterest income
  • $27,740Total noninterest expense
  • $15,762Salaries and employee benefits
  • $3,795Premises and equipment expense
  • $8,183Additional noninterest expense
  • $8,668Pre-tax net operating income
  • $267Securities gains (losses)
  • $2,081Applicable income taxes
  • $6,854Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,854Net income attributable to bank
  • $0Net charge-offs
  • $6,854Cash dividends
  • $668Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 0.39%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 6.44%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 157.19%Credit loss provision to net charge-offs
  • 14.55%Efficiency ratio
  • 72,951Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.67%Loss allowance to noncurrent loans
  • 78.95%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 3.38%Net loans and leases to deposits
  • 58.27%Net loans and leases to core deposits
  • 63.18%Equity capital to assets
  • 13.11%Core capital (leverage) ratio
  • 10.01%Tier 1 risk-based capital ratio
  • 16.02%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $803,602Average earning assets
  • $106,469Average equity
  • $725,159Average loans

List of branches

  • 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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