Santa Clara Valley Bank, National Association in Santa Paula, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Santa Clara Valley Bank, National Association in Santa Paula, California (CA)
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Santa Clara Valley Bank, National Association - Overview

  • General
  • FDIC Certificate #: 34806
    Status: Active
    Federal Reserve ID: 2750448
    Date Established: December 01, 1998
    WWW: http://www.santaclaravalleybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 61654
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 01, 1998
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 901 East Main Street, Santa Paula, CA 93060
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $126.7 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $105.1 mil
    Return on assets (ROA): 0.30% ($0.4 mil)
    Quarterly return on assets: 0.03% ($0.0 mil)
    Return on Equity (ROE): 2.88% ($0.4 mil)
    Quarterly return on equity: 0.25% ($0.0 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.32% ($405.5 mil)
    Quarterly Pretax return on assets: 0.11% ($139.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 33Total employees (full-time equivalent)
  • $126,708Total assets
  • $11,339Cash and due from depository institutions
  • $7,244Interest-bearing balances
  • $37,845Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,160Net loans & leases
  • $1,926Loan loss allowance
  • $0Trading account assets
  • $1,553Bank premises and fixed assets
  • $184Other real estate owned
  • $0Goodwill and other intangibles
  • $126,708Life insurance assets
  • $2,627All other assets
  • $112,031Total liabilities and capital
  • $105,113Total liabilities
  • $68,511Total deposits
  • $105,113Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,550Trading liabilities
  • $0Other borrowed funds
  • $368Subordinated debt
  • $14,677All other liabilities
  • $14,677Total equity capital
  • $14,677Total bank equity capital
  • $4,102Perpetual preferred stock
  • $7,361Common stock
  • $5,741Surplus
  • $-2,527Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,900Income earned, not collected on loans
  • $1,414Earning assets
  • $564Long-term assets (5+ years)
  • $118,249Average Assets, year-to-date
  • $42,896Average Assets, quarterly
  • $130,328Volatile liabilities
  • $128,222Insider loans
  • $78,546FHLB advances
  • $129,490Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,099Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,903Restructured Loans and leases
  • $552Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,920Total interest income
  • $731Total interest expense
  • $5,189Net interest income
  • $0Provision for loan and lease losses
  • $442Total noninterest income
  • $0Fiduciary activities
  • $541Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$99Additional noninterest income
  • $5,303Total noninterest expense
  • $2,448Salaries and employee benefits
  • $595Premises and equipment expense
  • $2,260Additional noninterest expense
  • $328Pre-tax net operating income
  • $91Securities gains (losses)
  • $25Applicable income taxes
  • $394Income before extraordinary items
  • $0Extraordinary gains - net
  • $394Net income attributable to bank
  • $0Net charge-offs
  • $394Cash dividends
  • $629Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 4.37%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 2.88%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 0.80%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.52%Efficiency ratio
  • 94,175Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.57%Loss allowance to noncurrent loans
  • 49.38%Noncurrent assets plus other real estate owned to assets
  • 3.22%Noncurrent loans to loans
  • 5.19%Net loans and leases to deposits
  • 69.60%Net loans and leases to core deposits
  • 72.56%Equity capital to assets
  • 11.58%Core capital (leverage) ratio
  • 10.89%Tier 1 risk-based capital ratio
  • 17.95%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $130,328Average earning assets
  • $13,676Average equity
  • $121,213Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061654Santa Clara Valley Bank, National Association901 East Main Street, Santa Paula, CA 93060December 01, 1998Full Service Brick and Mortar
    1290817Filmore Branch527 Sespe Avenue, Fillmore, CA 93015January 19, 1999Full Service Brick and Mortar
    2446991Valencia Branch26328 Citrus Avenue, Valencia, CA 91355July 15, 2005Full Service Brick and Mortar

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