Community Valley Bank in El Centro, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Valley Bank - Overview

  • General
  • FDIC Certificate #: 58500
    Status: Active
    Federal Reserve ID: 3637706
    Date Established: October 01, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 454577
    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: October 01, 2007
    Last Structure Change Effective Date: March 22, 2012
    Last Structure Change Process Date: March 22, 2012
    Last Data Update: March 22, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1443 Main Street, El Centro, CA 92243
    County: Imperial
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Orange
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): El Centro, CA (#20940)
    CBSA Metro Statistical Area: El Centro, CA (#20940)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $86.6 mil
    Equity capital: $10.6 mil
    Deposits held in domestic offices: $74.9 mil
    Return on assets (ROA): 0.64% ($0.6 mil)
    Quarterly return on assets: 0.88% ($0.8 mil)
    Return on Equity (ROE): 5.42% ($0.6 mil)
    Quarterly return on equity: 6.99% ($0.8 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.64% ($554.0 mil)
    Quarterly Pretax return on assets: 0.88% ($761.8 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
  • 25Total employees (full-time equivalent)
  • $86,565Total assets
  • $25,609Cash and due from depository institutions
  • $21,996Interest-bearing balances
  • $509Securities
  • $615Federal funds sold & reverse repurchase agreements
  • $53,956Net loans & leases
  • $1,125Loan loss allowance
  • $0Trading account assets
  • $4,863Bank premises and fixed assets
  • $0Other real estate owned
  • $273Goodwill and other intangibles
  • $86,565Life insurance assets
  • $740All other assets
  • $76,014Total liabilities and capital
  • $74,888Total liabilities
  • $56,961Total deposits
  • $74,888Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $972Trading liabilities
  • $0Other borrowed funds
  • $154Subordinated debt
  • $10,551All other liabilities
  • $10,551Total equity capital
  • $10,551Total bank equity capital
  • $2,400Perpetual preferred stock
  • $14,267Common stock
  • $496Surplus
  • $-6,612Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $898Income earned, not collected on loans
  • $0Earning assets
  • $182Long-term assets (5+ years)
  • $77,076Average Assets, year-to-date
  • $28,811Average Assets, quarterly
  • $74,444Volatile liabilities
  • $83,241Insider loans
  • $60,970FHLB advances
  • $87,788Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,511Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,754Restructured Loans and leases
  • $3,602Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,720Total interest income
  • $586Total interest expense
  • $3,134Net interest income
  • $540Provision for loan and lease losses
  • $1,398Total noninterest income
  • $0Fiduciary activities
  • $198Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,200Additional noninterest income
  • $3,513Total noninterest expense
  • $1,662Salaries and employee benefits
  • $516Premises and equipment expense
  • $1,335Additional noninterest expense
  • $479Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $479Income before extraordinary items
  • $0Extraordinary gains - net
  • $479Net income attributable to bank
  • $0Net charge-offs
  • $479Cash dividends
  • $168Sale, conversion, retirement of capital stock, net
  • $6Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.54%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 4.67%Net interest margin
  • 2.08%Noninterest income to earning assets
  • 5.23%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 5.42%Return on equity (ROE)
  • 5.35%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 321.43%Credit loss provision to net charge-offs
  • 6.07%Efficiency ratio
  • 77,515Assets per employee
  • 3.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.25%Loss allowance to loans
  • 2.04%Loss allowance to noncurrent loans
  • 125.28%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 1.63%Net loans and leases to deposits
  • 72.05%Net loans and leases to core deposits
  • 74.16%Equity capital to assets
  • 12.19%Core capital (leverage) ratio
  • 11.97%Tier 1 risk-based capital ratio
  • 17.24%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $74,444Average earning assets
  • $8,834Average equity
  • $67,173Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0454577Community Valley Bank1443 Main Street, El Centro, CA 92243October 01, 2007Full Service Brick and Mortar
    1474005Brawley Branch310 Main Street, Brawley, CA 92227April 24, 2008Full Service Brick and Mortar

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