Valencia Bank & Trust in Santa Clarita, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 2002

  • Valencia Bank & Trust in Santa Clarita, California (CA)
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Valencia Bank & Trust - Overview

  • General
  • FDIC Certificate #: 27091
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Union Bank, National Association (#22826)
    Federal Reserve ID: 1157255
    Date Established: October 15, 1987
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 38747
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 15, 1987
    Last Structure Change Effective Date: October 31, 2002
    Last Structure Change Process Date: November 21, 2002
    Last Data Update: November 21, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 23620 Lyons Avenue, Santa Clarita, CA 91321
    County: Los Angeles
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Los Angeles (North)
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Los Angeles-Long Beach, CA (#4480)
    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): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Los Angeles-Long Beach-Glendale, CA (#31084)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $266.5 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, 2001)

  • Dollar figures in thousands
  • 82Total employees (full-time equivalent)
  • $249,586Total assets
  • $24,637Cash and due from depository institutions
  • $8,392Interest-bearing balances
  • $49,013Securities
  • $13,430Federal funds sold & reverse repurchase agreements
  • $152,450Net loans & leases
  • $2,149Loan loss allowance
  • $0Trading account assets
  • $3,237Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,819All other assets
  • $249,586Total liabilities and capital
  • $230,763Total liabilities
  • $214,772Total deposits
  • $143,103Interest-bearing deposits
  • $214,772Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $12,959Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,016Other borrowed funds
  • $0Subordinated debt
  • $2,016All other liabilities
  • $18,823Total equity capital
  • $18,823Total bank equity capital
  • $18,823Perpetual preferred stock
  • $0Common stock
  • $10,637Surplus
  • $0Undivided profits
  • Memoranda
  • $8,186Noncurrent loans and leases
  • $27,562Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $464Earning assets
  • $0Long-term assets (5+ years)
  • $2,090Average Assets, year-to-date
  • $223,285Average Assets, quarterly
  • $10,943Volatile liabilities
  • $234,288Insider loans
  • $247,893FHLB advances
  • $51,428Loans and leases held for sale
  • $4,085Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $980Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $27,562Total unused commitments
  • $0Restructured Loans and leases
  • $2,149Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $14,846Total interest income
  • $5,070Total interest expense
  • $9,776Net interest income
  • $480Provision for loan and lease losses
  • $2,969Total noninterest income
  • $0Fiduciary activities
  • $2,222Service charges on deposit accounts
  • $0Trading account gains & fees
  • $747Additional noninterest income
  • $7,421Total noninterest expense
  • $3,544Salaries and employee benefits
  • $902Premises and equipment expense
  • $2,975Additional noninterest expense
  • $4,844Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,010Applicable income taxes
  • $2,834Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,834Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $336Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.10%Yield on earning assets
  • 2.43%Cost of funding earning assets
  • 4.68%Net interest margin
  • 1.42%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 2.07%Pretax return on assets
  • 15.91%Return on equity (ROE)
  • 15.91%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 142.86%Credit loss provision to net charge-offs
  • 15.85%Efficiency ratio
  • 58,227Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 463.15%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 70.98%Net loans and leases to core deposits
  • 85.97%Equity capital to assets
  • 7.54%Core capital (leverage) ratio
  • 7.44%Tier 1 risk-based capital ratio
  • 10.02%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $234,288Average earning assets
  • $17,811Average equity
  • $208,961Average loans

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