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



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Santa Clara Valley Bank, National Association routing number info

Table of contents:
Santa Clara Valley Bank, National Association
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)33
Total assets$126,708
Cash and due from depository institutions$11,339
Interest-bearing balances$7,244
Securities$37,845
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$73,160
Loan loss allowance $1,926
Trading account assets$0
Bank premises and fixed assets$1,553
Other real estate owned$184
Goodwill and other intangibles$0
All other assets$2,627
Life insurance assets$126,708
Total liabilities and capital$112,031
Total liabilities$105,113
Total deposits$68,511
Interest-bearing deposits$105,113
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,550
Other borrowed funds $0
Subordinated debt $368
All other liabilities $14,677
Total equity capital$14,677
Total bank equity capital$14,677
Perpetual preferred stock$4,102
Common stock$7,361
Surplus$5,741
Undivided profits $-2,527
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,900
Earning assets $1,414
Long-term assets (5+ years) $564
Average Assets, year-to-date $118,249
Average Assets, quarterly $42,896
Volatile liabilities $130,328
Insider loans $128,222
FHLB advances $78,546
Loans and leases held for sale $129,490
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,099
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,903
Derivatives$552
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,920
Total interest expense $731
Net interest income $5,189
Provision for loan and lease losses $0
Total noninterest income $442
Fiduciary activities $0
Service charges on deposit accounts $541
Trading account gains & fees $0
Additional noninterest income -$99
Total noninterest expense $5,303
Salaries and employee benefits $2,448
Premises and equipment expense $595
Additional noninterest expense $2,260
Pre-tax net operating income $328
Securities gains (losses) $91
Applicable income taxes $25
Income before extraordinary items $394
Extraordinary gains - net $0
Net income attributable to bank $394
Net charge-offs $0
Cash dividends $394
Sale, conversion, retirement of capital stock, net $629
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.88%
Cost of funding earning assets 0.60%
Net interest margin 4.28%
Noninterest income to earning assets 0.36%
Noninterest expense to earning assets 4.37%
Net operating income to assets 0.24%
Return on assets (ROA) 0.30%
Pretax return on assets 0.32%
Return on equity (ROE) 2.88%
Retained earnings to average equity (YTD only) 2.88%
Net charge-offs to loans 0.80%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.52%
Assets per employee$94,175
Cash dividends to net income (YTD only)3.84%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.57%
Noncurrent assets plus other real estate owned to assets 49.38%
Noncurrent loans to loans 3.22%
Net loans and leases to deposits5.19%
Net loans and leases to core deposits 69.60%
Equity capital to assets 72.56%
Core capital (leverage) ratio 11.58%
Tier 1 risk-based capital ratio 10.89%
Total risk-based capital ratio 17.95%
Memoranda
Average assets$19
Average earning assets$130,328
Average equity $13,676
Average loans $121,213
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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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