Valley Commercial Bank in Clarkston, Washington (WA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 03, 1994

  • Valley Commercial Bank in Clarkston, Washington (WA)
  • Show street view No street view available for this location

Valley Commercial Bank - Overview

  • General
  • FDIC Certificate #: 19060
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: West One Bank, Washington (#22192)
    Federal Reserve ID: 120579
    Date Established: Febuary 14, 1964
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 12895
    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: Febuary 14, 1964
    Last Structure Change Effective Date: September 03, 1994
    Last Structure Change Process Date: October 31, 1994
    Last Data Update: October 31, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Fifth And Diagonal Streets, Clarkston, WA 99403
    County: Asotin
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Seattle
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Lewiston, ID-WA (#30300)
    CBSA Metro Statistical Area: Lewiston, ID-WA (#30300)
  • Financial Summary
  • Total assets: $62.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $28Total assets
  • $63,631Cash and due from depository institutions
  • $3,734Interest-bearing balances
  • $99Securities
  • $23,216Federal funds sold & reverse repurchase agreements
  • $11,650Net loans & leases
  • $22,663Loan loss allowance
  • $717Trading account assets
  • $0Bank premises and fixed assets
  • $863Other real estate owned
  • $559Goodwill and other intangibles
  • $901Life insurance assets
  • $45All other assets
  • $0Total liabilities and capital
  • $63,631Total liabilities
  • $55,288Total deposits
  • $54,613Interest-bearing deposits
  • $44,702Deposits held in domestic offices
  • 54613.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $123Subordinated debt
  • $0All other liabilities
  • $552Total equity capital
  • $552Total bank equity capital
  • $8,343Perpetual preferred stock
  • $0Common stock
  • $204Surplus
  • $2,781Undivided profits
  • Memoranda
  • $5,358Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3Income earned, not collected on loans
  • $169Earning assets
  • $57,628Long-term assets (5+ years)
  • $5,157Average Assets, year-to-date
  • $59,432Average Assets, quarterly
  • $61,591Volatile liabilities
  • $2,885Insider loans
  • $533FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,508Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,298Total risk weighted assets
  • $33,569Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,726Total interest expense
  • $1,400Net interest income
  • $2,326Provision for loan and lease losses
  • $120Total noninterest income
  • $414Fiduciary activities
  • $0Service charges on deposit accounts
  • $290Trading account gains & fees
  • $0Additional noninterest income
  • $124Total noninterest expense
  • $1,448Salaries and employee benefits
  • $735Premises and equipment expense
  • $177Additional noninterest expense
  • $536Pre-tax net operating income
  • $1,172Securities gains (losses)
  • $0Applicable income taxes
  • $395Income before extraordinary items
  • $777Extraordinary gains - net
  • -$14Net income attributable to bank
  • $763Net charge-offs
  • $34Cash dividends
  • $170Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.94%Cost of funding earning assets
  • 2.61%Net interest margin
  • 4.33%Noninterest income to earning assets
  • 0.77%Noninterest expense to earning assets
  • 2.70%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 1.95%Return on equity (ROE)
  • 9.36%Retained earnings to average equity (YTD only)
  • 7.28%Net charge-offs to loans
  • 0.15%Credit loss provision to net charge-offs
  • 352.94%Efficiency ratio
  • 52,591Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.28%Loss allowance to loans
  • 3.07%Loss allowance to noncurrent loans
  • 23900.00%Noncurrent assets plus other real estate owned to assets
  • 0.88%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 41.50%Net loans and leases to core deposits
  • 43.81%Equity capital to assets
  • 13.11%Core capital (leverage) ratio
  • 13.33%Tier 1 risk-based capital ratio
  • 24.72%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $59,432Average earning assets
  • $8,149Average equity
  • $53,693Average loans

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Valley Commercial Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents