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


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

  • General
  • FDIC Certificate #: 57098
    Status: Active
    Federal Reserve ID: 3028902
    Date Established: June 01, 2001
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 357535
    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: June 01, 2001
    Last Structure Change Effective Date: September 03, 2010
    Last Structure Change Process Date: September 17, 2010
    Last Data Update: September 17, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 255 East River Park Circle Suite 180, 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
  • Change in Location
  • Financial Summary
  • Total assets: $522.2 mil
    Equity capital: $65.4 mil
    Deposits held in domestic offices: $446.0 mil
    Return on assets (ROA): 1.18% ($6.2 mil)
    Quarterly return on assets: 1.59% ($8.3 mil)
    Return on Equity (ROE): 9.26% ($6.0 mil)
    Quarterly return on equity: 12.70% ($8.3 mil)
    Net income: $5.9 mil
    Quarterly Net income: $2.1 mil
    Pretax return on assets: 1.56% ($8,146.9 mil)
    Quarterly Pretax return on assets: 1.51% ($7,885.8 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
  • 95Total employees (full-time equivalent)
  • $522,238Total assets
  • $26,511Cash and due from depository institutions
  • $14,665Interest-bearing balances
  • $112,819Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $340,873Net loans & leases
  • $6,940Loan loss allowance
  • $0Trading account assets
  • $3,060Bank premises and fixed assets
  • $4,505Other real estate owned
  • $14,246Goodwill and other intangibles
  • $522,238Life insurance assets
  • $20,224All other assets
  • $456,886Total liabilities and capital
  • $445,968Total liabilities
  • $230,068Total deposits
  • $445,968Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $10,918Subordinated debt
  • $65,352All other liabilities
  • $65,352Total equity capital
  • $65,352Total bank equity capital
  • $0Perpetual preferred stock
  • $54,650Common stock
  • $0Surplus
  • $10,702Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,862Income earned, not collected on loans
  • $0Earning assets
  • $1,935Long-term assets (5+ years)
  • $468,357Average Assets, year-to-date
  • $217,452Average Assets, quarterly
  • $499,142Volatile liabilities
  • $516,767Insider loans
  • $366,179FHLB advances
  • $506,312Loans and leases held for sale
  • $8,854Unused loan commitments
  • $8,854Tier 1 (core) risk-based capital
  • $50,453Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $55,076Restructured Loans and leases
  • $11,317Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,512Total interest income
  • $1,670Total interest expense
  • $19,842Net interest income
  • $450Provision for loan and lease losses
  • $1,840Total noninterest income
  • $0Fiduciary activities
  • $1,460Service charges on deposit accounts
  • $0Trading account gains & fees
  • $380Additional noninterest income
  • $13,572Total noninterest expense
  • $7,288Salaries and employee benefits
  • $1,193Premises and equipment expense
  • $5,091Additional noninterest expense
  • $7,660Pre-tax net operating income
  • $113Securities gains (losses)
  • $1,860Applicable income taxes
  • $5,913Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,913Net income attributable to bank
  • $0Net charge-offs
  • $5,913Cash dividends
  • $2,783Sale, conversion, retirement of capital stock, net
  • $2,472Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.05%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 9.26%Return on equity (ROE)
  • 5.39%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 16.17%Credit loss provision to net charge-offs
  • 2.91%Efficiency ratio
  • 60,548Assets per employee
  • 5.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.81%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 70.37%Noncurrent assets plus other real estate owned to assets
  • 2.77%Noncurrent loans to loans
  • 2.84%Net loans and leases to deposits
  • 76.43%Net loans and leases to core deposits
  • 82.56%Equity capital to assets
  • 12.51%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 13.78%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $499,142Average earning assets
  • $63,833Average equity
  • $445,522Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0357535Premier Valley Bank255 East River Park Circle Suite 180, Fresno, CA 93720June 01, 2001Full Service Brick and Mortar
    115680Mariposa Branch5371 Highway 49 North, Mariposa, CA 95338July 01, 1977Full Service Brick and Mortar
    2254678Groveland Branch18580 Main Street, Groveland, CA 95321July 30, 1979Full Service Brick and Mortar
    3254681Oakhurst Branch40061 Highway 49, Oakhurst, CA 93644Febuary 04, 1991Full Service Brick and Mortar
    4254682Coarsegold Branch35344 Highway 41, Suite A, Coarsegold, CA 93614Febuary 03, 1997Full Service Brick and Mortar

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