Scott Valley Bank in Yreka, California (CA), OR
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Scott Valley Bank in Yreka, California (CA), OR
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Scott Valley Bank - Overview

  • General
  • FDIC Certificate #: 10781
    Status: Active
    Federal Reserve ID: 852263
    Bank Holding Company (Regulatory Top Holder): Learner Financial Corporation (RSSDID: 1031588, Location: Walnut Creek, CA)
    Date Established: May 03, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: Yes)
    FDIC's unique #: 6895
    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: January 01, 1934
    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: 515 South Broadway, Yreka, CA 96097
    County: Siskiyou
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $477.2 mil
    Equity capital: $57.3 mil
    Deposits held in domestic offices: $392.3 mil
    Return on assets (ROA): 0.58% ($2.8 mil)
    Quarterly return on assets: 0.68% ($3.2 mil)
    Return on Equity (ROE): 4.95% ($2.8 mil)
    Quarterly return on equity: 5.75% ($3.3 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.82% ($3,913.2 mil)
    Quarterly Pretax return on assets: 0.97% ($4,629.1 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
  • 108Total employees (full-time equivalent)
  • $477,222Total assets
  • $28,483Cash and due from depository institutions
  • $18,006Interest-bearing balances
  • $147,962Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $271,022Net loans & leases
  • $5,470Loan loss allowance
  • $0Trading account assets
  • $2,638Bank premises and fixed assets
  • $9,742Other real estate owned
  • $0Goodwill and other intangibles
  • $477,222Life insurance assets
  • $17,375All other assets
  • $419,944Total liabilities and capital
  • $392,287Total liabilities
  • $280,529Total deposits
  • $392,287Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 22440.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,217Subordinated debt
  • $57,278All other liabilities
  • $57,278Total equity capital
  • $57,278Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,000Surplus
  • $55,878Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $947Income earned, not collected on loans
  • $0Earning assets
  • $2,443Long-term assets (5+ years)
  • $436,990Average Assets, year-to-date
  • $119,290Average Assets, quarterly
  • $477,344Volatile liabilities
  • $483,754Insider loans
  • $366,366FHLB advances
  • $485,727Loans and leases held for sale
  • $7,510Unused loan commitments
  • $7,510Tier 1 (core) risk-based capital
  • $53,429Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $93,624Restructured Loans and leases
  • $2,205Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,270Total interest income
  • $1,903Total interest expense
  • $18,367Net interest income
  • $1,100Provision for loan and lease losses
  • $1,191Total noninterest income
  • $0Fiduciary activities
  • $997Service charges on deposit accounts
  • $0Trading account gains & fees
  • $194Additional noninterest income
  • $14,542Total noninterest expense
  • $8,299Salaries and employee benefits
  • $1,670Premises and equipment expense
  • $4,573Additional noninterest expense
  • $3,916Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,163Applicable income taxes
  • $2,753Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,753Net income attributable to bank
  • $0Net charge-offs
  • $2,753Cash dividends
  • $1,054Sale, conversion, retirement of capital stock, net
  • $725Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.61%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 4.95%Return on equity (ROE)
  • 3.65%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 104.36%Credit loss provision to net charge-offs
  • 4.76%Efficiency ratio
  • 74,353Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.33%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 577.61%Noncurrent assets plus other real estate owned to assets
  • 2.24%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 69.09%Net loans and leases to core deposits
  • 76.00%Equity capital to assets
  • 12.00%Core capital (leverage) ratio
  • 11.00%Tier 1 risk-based capital ratio
  • 14.58%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $477,344Average earning assets
  • $55,578Average equity
  • $439,696Average loans

List of branches

  • 12 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06895Scott Valley Bank515 South Broadway, Yreka, CA 96097May 03, 1912Full Service Brick and Mortar
    1222970Fort Jones BranchMain Street, Fort Jones, CA 96032May 24, 1965Full Service Brick and Mortar
    2222971Etna Branch424 Main Street, Etna, CA 96027May 03, 1912Full Service Brick and Mortar
    3222972Happy Camp Branch63729 Hwy 96, Happy Camp, CA 96039September 14, 1967Full Service Brick and Mortar
    4251957Mt. Shasta Branch142 Morgan Way, Mount Shasta, CA 96067June 14, 1982Full Service Brick and Mortar
    5222973Redding Branch185 Hartnell Avenue, Redding, CA 96002September 07, 1990Full Service Brick and Mortar
    6222974Walnut Creek Branch1500 North California Boulevard, Walnut Creek, CA 94596May 15, 1996Full Service Brick and Mortar
    7222975Shingletown Branch31825 Highway 44, Suite H, Shingletown, CA 96088July 15, 1996Full Service Brick and Mortar
    9222977Weed Branch375 South Weed Boulevard, Weed, CA 96094August 26, 1996Full Service Brick and Mortar
    10197498Weaverville Branch530 Main Street, Weaverville, CA 96093March 16, 1936Full Service Brick and Mortar
    11422516Oakland Branch1111 Broadway Suite 1510, Oakland, CA 94607June 30, 2003Full Service Brick and Mortar
    12467746Santa Clara Branch5201 Great America Parkway, Suite 333, Santa Clara, CA 95054July 30, 2007Full Service Brick and Mortar
  • 1 Oregon Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    13521539Medford Branch1345 Poplar Drive, Medford, OR 97504May 02, 2011Full Service Brick and Mortar

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