Pacific Valley National Bank in Modesto, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 24, 1995

  • Pacific Valley National Bank in Modesto, California (CA)
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Pacific Valley National Bank - Overview

  • General
  • FDIC Certificate #: 24183
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Westamerica Bank (#3430)
    Federal Reserve ID: 391267
    Date Established: November 01, 1982
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    FDIC's unique #: 16837
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: November 01, 1982
    Last Structure Change Effective Date: Febuary 24, 1995
    Last Structure Change Process Date: March 14, 1995
    Last Data Update: March 14, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1524 Mchenry Avenue, Modesto, CA 95350
    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: $178.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $71Total assets
  • $178,161Cash and due from depository institutions
  • $13,591Interest-bearing balances
  • $0Securities
  • $13,112Federal funds sold & reverse repurchase agreements
  • $11,300Net loans & leases
  • $137,473Loan loss allowance
  • $1,834Trading account assets
  • $0Bank premises and fixed assets
  • $1,014Other real estate owned
  • $82Goodwill and other intangibles
  • $1,589Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $178,161Total liabilities
  • $161,487Total deposits
  • $160,515Interest-bearing deposits
  • $120,083Deposits held in domestic offices
  • 160515.00%% insured (estimated)
  • $72Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $972Total equity capital
  • $972Total bank equity capital
  • $16,674Perpetual preferred stock
  • $0Common stock
  • $3,750Surplus
  • $3,750Undivided profits
  • Memoranda
  • $9,174Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,027Income earned, not collected on loans
  • $748Earning assets
  • $161,885Long-term assets (5+ years)
  • $3,946Average Assets, year-to-date
  • $172,204Average Assets, quarterly
  • $174,641Volatile liabilities
  • $35,054Insider loans
  • $4,585FHLB advances
  • $0Loans and leases held for sale
  • $1,172Unused loan commitments
  • $37,704Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $16,826Total risk weighted assets
  • $152,867Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,345Total interest expense
  • $3,800Net interest income
  • $10,545Provision for loan and lease losses
  • $696Total noninterest income
  • $1,686Fiduciary activities
  • $0Service charges on deposit accounts
  • $683Trading account gains & fees
  • $0Additional noninterest income
  • $1,003Total noninterest expense
  • $6,784Salaries and employee benefits
  • $3,454Premises and equipment expense
  • $1,280Additional noninterest expense
  • $2,050Pre-tax net operating income
  • $4,751Securities gains (losses)
  • -$144Applicable income taxes
  • $2,028Income before extraordinary items
  • $2,579Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,579Net charge-offs
  • $635Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.23%Cost of funding earning assets
  • 2.44%Net interest margin
  • 6.78%Noninterest income to earning assets
  • 1.08%Noninterest expense to earning assets
  • 4.36%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 2.68%Return on equity (ROE)
  • 16.78%Retained earnings to average equity (YTD only)
  • 16.78%Net charge-offs to loans
  • 0.47%Credit loss provision to net charge-offs
  • 109.61%Efficiency ratio
  • 55,466Assets per employee
  • 2.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 90.48%Noncurrent assets plus other real estate owned to assets
  • 1.18%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 85.64%Net loans and leases to core deposits
  • 109.57%Equity capital to assets
  • 9.36%Core capital (leverage) ratio
  • 9.43%Tier 1 risk-based capital ratio
  • 11.01%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $172,204Average earning assets
  • $15,366Average equity
  • $155,480Average loans

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