South Valley National Bank in Morgan Hill, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 14, 1998

  • South Valley National Bank in Morgan Hill, California (CA)
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South Valley National Bank - Overview

  • General
  • FDIC Certificate #: 24643
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank of Central California (#25185)
    Federal Reserve ID: 394969
    Date Established: August 15, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 10343
    FDIC's unique #: 17109
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: August 15, 1983
    Last Structure Change Effective Date: October 14, 1998
    Last Structure Change Process Date: December 07, 1998
    Last Data Update: December 07, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 Tennant Station, Morgan Hill, CA 95037
    County: Santa Clara
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): San Jose, CA (#7400)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): San Jose-Sunnyvale-Santa Clara, CA (#41940)
    CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
  • Financial Summary
  • Total assets: $234.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 58Total employees (full-time equivalent)
  • $222,295Total assets
  • $21,035Cash and due from depository institutions
  • $99Interest-bearing balances
  • $60,364Securities
  • $8,925Federal funds sold & reverse repurchase agreements
  • $122,357Net loans & leases
  • $1,745Loan loss allowance
  • $0Trading account assets
  • $5,650Bank premises and fixed assets
  • $1,213Other real estate owned
  • $299Goodwill and other intangibles
  • $0Life insurance assets
  • $2,452All other assets
  • $222,295Total liabilities and capital
  • $204,265Total liabilities
  • $201,985Total deposits
  • $145,430Interest-bearing deposits
  • $201,985Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $776Other borrowed funds
  • $0Subordinated debt
  • $1,504All other liabilities
  • $18,030Total equity capital
  • $18,030Total bank equity capital
  • $18,030Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $2,000Undivided profits
  • Memoranda
  • $14,030Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,180Earning assets
  • $28Long-term assets (5+ years)
  • $793Average Assets, year-to-date
  • $191,745Average Assets, quarterly
  • $60,138Volatile liabilities
  • $204,882Insider loans
  • $218,851FHLB advances
  • $30,860Loans and leases held for sale
  • $102Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,255Total risk weighted assets
  • $58,488Total unused commitments
  • $0Restructured Loans and leases
  • $155,898Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $17,038Total interest income
  • $5,150Total interest expense
  • $11,888Net interest income
  • $815Provision for loan and lease losses
  • $1,062Total noninterest income
  • $0Fiduciary activities
  • $890Service charges on deposit accounts
  • $0Trading account gains & fees
  • $172Additional noninterest income
  • $7,284Total noninterest expense
  • $2,551Salaries and employee benefits
  • $1,170Premises and equipment expense
  • $3,563Additional noninterest expense
  • $4,851Pre-tax net operating income
  • $11Securities gains (losses)
  • $1,985Applicable income taxes
  • $2,877Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,877Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $512Sale, conversion, retirement of capital stock, net
  • $1,295Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.54%Yield on earning assets
  • 2.88%Cost of funding earning assets
  • 6.65%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 4.08%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 2.37%Pretax return on assets
  • 16.53%Return on equity (ROE)
  • 9.09%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 159.18%Credit loss provision to net charge-offs
  • 11.07%Efficiency ratio
  • 55,923Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.01%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 147.88%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 60.58%Net loans and leases to core deposits
  • 71.31%Equity capital to assets
  • 8.11%Core capital (leverage) ratio
  • 8.03%Tier 1 risk-based capital ratio
  • 11.28%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $204,882Average earning assets
  • $17,406Average equity
  • $178,641Average loans

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