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)
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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

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