Great Valley Bank in Ceres, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 28, 1996

  • Great Valley Bank in Ceres, California (CA)
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Great Valley Bank - Overview

  • General
  • FDIC Certificate #: 22428
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Safe Deposit Bank (#8473)
    Federal Reserve ID: 69762
    Date Established: March 09, 1977
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 15627
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 09, 1977
    Last Structure Change Effective Date: June 28, 1996
    Last Structure Change Process Date: July 12, 1996
    Last Data Update: July 12, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 2501 East Whitmore Avenue, Ceres, CA 95307
    County: Stanislaus
    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): Modesto, CA (#5170)
    Core Based Statistical Area (CBSA): Modesto, CA (#33700)
    CBSA Metro Statistical Area: Modesto, CA (#33700)
  • Financial Summary
  • Total assets: $75.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $50Total assets
  • $79,286Cash and due from depository institutions
  • $9,024Interest-bearing balances
  • $3,036Securities
  • $35,473Federal funds sold & reverse repurchase agreements
  • $3,000Net loans & leases
  • $27,508Loan loss allowance
  • $1,136Trading account assets
  • $0Bank premises and fixed assets
  • $1,449Other real estate owned
  • $1,384Goodwill and other intangibles
  • $1,448Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $79,286Total liabilities
  • $68,556Total deposits
  • $68,085Interest-bearing deposits
  • $53,887Deposits held in domestic offices
  • 68085.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $243Subordinated debt
  • $0All other liabilities
  • $228Total equity capital
  • $228Total bank equity capital
  • $10,730Perpetual preferred stock
  • $0Common stock
  • $1,379Surplus
  • $4,169Undivided profits
  • Memoranda
  • $5,182Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,649Income earned, not collected on loans
  • $180Earning assets
  • $69,017Long-term assets (5+ years)
  • $10,356Average Assets, year-to-date
  • $80,822Average Assets, quarterly
  • $79,835Volatile liabilities
  • $9,864Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,016Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,550Total risk weighted assets
  • $42,883Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,246Total interest expense
  • $2,323Net interest income
  • $2,923Provision for loan and lease losses
  • $30Total noninterest income
  • $555Fiduciary activities
  • $0Service charges on deposit accounts
  • $478Trading account gains & fees
  • $0Additional noninterest income
  • $77Total noninterest expense
  • $3,445Salaries and employee benefits
  • $1,680Premises and equipment expense
  • $472Additional noninterest expense
  • $1,293Pre-tax net operating income
  • $3Securities gains (losses)
  • -$16Applicable income taxes
  • -$5Income before extraordinary items
  • -$8Extraordinary gains - net
  • $0Net income attributable to bank
  • -$8Net charge-offs
  • $334Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.54%Cost of funding earning assets
  • 3.34%Net interest margin
  • 4.20%Noninterest income to earning assets
  • 0.80%Noninterest expense to earning assets
  • 4.95%Net operating income to assets
  • 0.00%Return on assets (ROA)
  • -0.01%Pretax return on assets
  • -0.02%Return on equity (ROE)
  • -0.08%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 0.99%Credit loss provision to net charge-offs
  • 8.98%Efficiency ratio
  • 99,051Assets per employee
  • 1.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.97%Loss allowance to noncurrent loans
  • 68.89%Noncurrent assets plus other real estate owned to assets
  • 3.83%Noncurrent loans to loans
  • 5.76%Net loans and leases to deposits
  • 40.40%Net loans and leases to core deposits
  • 47.05%Equity capital to assets
  • 13.53%Core capital (leverage) ratio
  • 13.08%Tier 1 risk-based capital ratio
  • 24.60%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $80,822Average earning assets
  • $10,553Average equity
  • $69,575Average loans

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