County Commerce Bank in Ventura, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

County Commerce Bank - Overview

  • General
  • FDIC Certificate #: 57423
    Status: Active
    Federal Reserve ID: 3170276
    Date Established: Febuary 18, 2003
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 363507
    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: Febuary 18, 2003
    Last Structure Change Effective Date: January 09, 2008
    Last Structure Change Process Date: January 09, 2008
    Last Data Update: January 09, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3260 Telegraph Road, Ventura, CA 93003
    County: Ventura
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (West)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Ventura, CA (#8735)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Oxnard-Thousand Oaks-Ventura, CA (#37100)
    CBSA Metro Statistical Area: Oxnard-Thousand Oaks-Ventura, CA (#37100)
  • Financial Summary
  • Total assets: $185.5 mil
    Equity capital: $16.2 mil
    Deposits held in domestic offices: $160.6 mil
    Return on assets (ROA): 0.86% ($1.6 mil)
    Quarterly return on assets: 0.93% ($1.7 mil)
    Return on Equity (ROE): 10.05% ($1.6 mil)
    Quarterly return on equity: 10.72% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.46% ($2,708.3 mil)
    Quarterly Pretax return on assets: 1.57% ($2,912.3 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
  • 26Total employees (full-time equivalent)
  • $185,497Total assets
  • $49,625Cash and due from depository institutions
  • $46,507Interest-bearing balances
  • $0Securities
  • $25,875Federal funds sold & reverse repurchase agreements
  • $103,593Net loans & leases
  • $2,966Loan loss allowance
  • $0Trading account assets
  • $3,657Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $185,497Life insurance assets
  • $2,747All other assets
  • $169,341Total liabilities and capital
  • $160,600Total liabilities
  • $112,154Total deposits
  • $160,600Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,000Trading liabilities
  • $0Other borrowed funds
  • $741Subordinated debt
  • $16,156All other liabilities
  • $16,156Total equity capital
  • $16,156Total bank equity capital
  • $0Perpetual preferred stock
  • $9,193Common stock
  • $1,692Surplus
  • $5,271Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,187Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $434Long-term assets (5+ years)
  • $175,975Average Assets, year-to-date
  • $42,164Average Assets, quarterly
  • $177,769Volatile liabilities
  • $184,280Insider loans
  • $118,284FHLB advances
  • $183,960Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,156Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,269Restructured Loans and leases
  • $2,396Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,267Total interest income
  • $779Total interest expense
  • $6,488Net interest income
  • $299Provision for loan and lease losses
  • $315Total noninterest income
  • $0Fiduciary activities
  • $182Service charges on deposit accounts
  • $0Trading account gains & fees
  • $133Additional noninterest income
  • $3,901Total noninterest expense
  • $2,082Salaries and employee benefits
  • $488Premises and equipment expense
  • $1,331Additional noninterest expense
  • $2,603Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,070Applicable income taxes
  • $1,533Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,533Net income attributable to bank
  • $0Net charge-offs
  • $1,533Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 10.05%Return on equity (ROE)
  • 10.05%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 9966.67%Credit loss provision to net charge-offs
  • 967.33%Efficiency ratio
  • 57,342Assets per employee
  • 7.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.78%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 64.50%Net loans and leases to core deposits
  • 70.66%Equity capital to assets
  • 8.71%Core capital (leverage) ratio
  • 8.78%Tier 1 risk-based capital ratio
  • 13.66%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $177,769Average earning assets
  • $15,260Average equity
  • $168,148Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363507County Commerce Bank3260 Telegraph Road, Ventura, CA 93003Febuary 18, 2003Full Service Brick and Mortar
    1426735Courier Service3260 Telegraph Road, Ventura, CA 93003Febuary 18, 2003Limited Service Messenger
    2462644Gonzales Branch2400 E. Gonzales Road, Oxnard, CA 93036September 21, 2005Full Service Brick and Mortar

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