River Valley Community Bank in Yuba City, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


River Valley Community Bank - Overview

  • General
  • FDIC Certificate #: 58276
    Status: Active
    Federal Reserve ID: 3451050
    Date Established: June 26, 2006
    WWW: http://www.rivervalleycommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 445235
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: June 26, 2006
    Last Structure Change Effective Date: November 14, 2006
    Last Structure Change Process Date: December 08, 2006
    Last Data Update: December 08, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1629 Colusa Highway, Yuba City, CA 95993
    County: Sutter
    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): Yuba City, CA (#9340)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Yuba City, CA (#49700)
    CBSA Metro Statistical Area: Yuba City, CA (#49700)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $139.8 mil
    Equity capital: $18.3 mil
    Deposits held in domestic offices: $121.2 mil
    Return on assets (ROA): 0.91% ($1.3 mil)
    Quarterly return on assets: 0.91% ($1.3 mil)
    Return on Equity (ROE): 7.26% ($1.3 mil)
    Quarterly return on equity: 6.78% ($1.2 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.33% ($1,859.8 mil)
    Quarterly Pretax return on assets: 1.33% ($1,859.8 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
  • 19Total employees (full-time equivalent)
  • $139,832Total assets
  • $16,114Cash and due from depository institutions
  • $10,425Interest-bearing balances
  • $73,504Securities
  • $998Federal funds sold & reverse repurchase agreements
  • $45,330Net loans & leases
  • $1,594Loan loss allowance
  • $0Trading account assets
  • $2,232Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $139,832Life insurance assets
  • $1,654All other assets
  • $121,514Total liabilities and capital
  • $121,160Total liabilities
  • $88,422Total deposits
  • $121,160Interest-bearing deposits
  • $68Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $354Subordinated debt
  • $18,318All other liabilities
  • $18,318Total equity capital
  • $18,318Total bank equity capital
  • $0Perpetual preferred stock
  • $13,703Common stock
  • $608Surplus
  • $4,007Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $134Income earned, not collected on loans
  • $0Earning assets
  • $570Long-term assets (5+ years)
  • $130,257Average Assets, year-to-date
  • $36,468Average Assets, quarterly
  • $137,920Volatile liabilities
  • $135,902Insider loans
  • $71,028FHLB advances
  • $134,544Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,073Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,698Restructured Loans and leases
  • $5,343Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,060Total interest income
  • $446Total interest expense
  • $4,614Net interest income
  • $176Provision for loan and lease losses
  • $177Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $91Additional noninterest income
  • $2,827Total noninterest expense
  • $1,659Salaries and employee benefits
  • $215Premises and equipment expense
  • $953Additional noninterest expense
  • $1,788Pre-tax net operating income
  • $53Securities gains (losses)
  • $585Applicable income taxes
  • $1,256Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,256Net income attributable to bank
  • $0Net charge-offs
  • $1,256Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 2.20%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 7.26%Return on equity (ROE)
  • 7.26%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 502.86%Credit loss provision to net charge-offs
  • 56.11%Efficiency ratio
  • 59,006Assets per employee
  • 7.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.40%Loss allowance to noncurrent loans
  • 1189.55%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 37.41%Net loans and leases to core deposits
  • 40.99%Equity capital to assets
  • 13.10%Core capital (leverage) ratio
  • 12.69%Tier 1 risk-based capital ratio
  • 24.04%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $137,920Average earning assets
  • $17,310Average equity
  • $128,291Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0445235River Valley Community Bank1629 Colusa Highway, Yuba City, CA 95993June 26, 2006Full Service Brick and Mortar

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