Tri-Valley Bank in San Ramon, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Tri-Valley Bank in San Ramon, California (CA)
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Tri-Valley Bank - Overview

  • General
  • FDIC Certificate #: 58004
    Status: Active
    Federal Reserve ID: 3383076
    Date Established: September 26, 2005
    WWW: http://www.trivalleybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 433536
    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: September 26, 2005
    Last Structure Change Effective Date: June 05, 2009
    Last Structure Change Process Date: June 05, 2009
    Last Data Update: June 05, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 2404 San Ramon Valley Boulevard, Suite 100, San Ramon, CA 94583
    County: Contra Costa
    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): Oakland, CA (#5775)
    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 Francisco-Oakland-Fremont, CA (#41860)
    CBSA Metro Statistical Area: San Francisco-Oakland-Fremont, CA (#41860)
    Core Based Statistical Division: Oakland-Fremont-Hayward, CA (#36084)
  • Financial Summary
  • Total assets: $77.6 mil
    Equity capital: $7.3 mil
    Deposits held in domestic offices: $66.6 mil
    Return on assets (ROA): -2.55% (-$2.0 mil)
    Quarterly return on assets: -3.84% (-$3.0 mil)
    Return on Equity (ROE): -32.57% (-$2.3 mil)
    Quarterly return on equity: -39.79% (-$2.8 mil)
    Net income: -$1.9 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -2.54% (-$1,971.4 mil)
    Quarterly Pretax return on assets: -3.84% (-$2,980.4 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
  • 22Total employees (full-time equivalent)
  • $77,614Total assets
  • $19,739Cash and due from depository institutions
  • $19,236Interest-bearing balances
  • $5,975Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,103Net loans & leases
  • $1,932Loan loss allowance
  • $0Trading account assets
  • $168Bank premises and fixed assets
  • $2,278Other real estate owned
  • $16Goodwill and other intangibles
  • $77,614Life insurance assets
  • $1,335All other assets
  • $70,284Total liabilities and capital
  • $66,603Total liabilities
  • $51,789Total deposits
  • $66,603Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $181Subordinated debt
  • $7,330All other liabilities
  • $7,330Total equity capital
  • $7,330Total bank equity capital
  • $0Perpetual preferred stock
  • $23,670Common stock
  • $0Surplus
  • $-16,340Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $803Income earned, not collected on loans
  • $0Earning assets
  • $162Long-term assets (5+ years)
  • $73,314Average Assets, year-to-date
  • $11,902Average Assets, quarterly
  • $76,313Volatile liabilities
  • $79,662Insider loans
  • $53,675FHLB advances
  • $78,853Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,169Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,484Restructured Loans and leases
  • $1,950Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,763Total interest income
  • $447Total interest expense
  • $2,316Net interest income
  • $140Provision for loan and lease losses
  • $134Total noninterest income
  • $0Fiduciary activities
  • $130Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $4,252Total noninterest expense
  • $2,165Salaries and employee benefits
  • $587Premises and equipment expense
  • $1,500Additional noninterest expense
  • -$1,942Pre-tax net operating income
  • $0Securities gains (losses)
  • $1Applicable income taxes
  • -$1,943Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,943Net income attributable to bank
  • $0Net charge-offs
  • -$1,943Cash dividends
  • $967Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.90%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 6.00%Noninterest expense to earning assets
  • -2.55%Net operating income to assets
  • -2.55%Return on assets (ROA)
  • -2.54%Pretax return on assets
  • -32.57%Return on equity (ROE)
  • -32.57%Retained earnings to average equity (YTD only)
  • 1.81%Net charge-offs to loans
  • 14.48%Credit loss provision to net charge-offs
  • -1.86%Efficiency ratio
  • 173,551Assets per employee
  • 3.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.86%Loss allowance to noncurrent loans
  • 240.60%Noncurrent assets plus other real estate owned to assets
  • 3.97%Noncurrent loans to loans
  • 1.60%Net loans and leases to deposits
  • 72.22%Net loans and leases to core deposits
  • 75.06%Equity capital to assets
  • 9.44%Core capital (leverage) ratio
  • 9.09%Tier 1 risk-based capital ratio
  • 13.36%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $76,313Average earning assets
  • $5,965Average equity
  • $70,851Average loans

List of branches

  • 2 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0433536Tri-Valley Bank2404 San Ramon Valley Boulevard, Suite 100, San Ramon, CA 94583September 26, 2005Full Service Brick and Mortar
    1478461Livermore Branch1756 First Street, Livermore, CA 94550September 26, 2005Full Service Brick and Mortar

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