Valley Commercial Bank in Forest Grove, Oregon (OR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1997

  • Valley Commercial Bank in Forest Grove, Oregon (OR)
  • Show street view No street view available for this location

Valley Commercial Bank - Overview

  • General
  • FDIC Certificate #: 23303
    Status: Inactive
    Closing history: Consolidated - Without Assistance
    Acquiring institution: West Coast Bank (#2345)
    Federal Reserve ID: 161965
    Date Established: January 02, 1981
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    OTS Docket #: 13598
    FDIC's unique #: 16335
    Numeric code: 13
    Regulator: FED
    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: January 02, 1981
    Last Structure Change Effective Date: April 01, 1997
    Last Structure Change Process Date: May 14, 1997
    Last Data Update: May 14, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 4110 Pacific Avenue, Forest Grove, OR 97116
    County: Washington
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Portland
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Portland-Vancouver, OR-WA (#6440)
    Consolidated Metropolitan Statistical Area (CMSA): Portland-Salem, OR-WA (#79)
    Core Based Statistical Area (CBSA): Portland-Vancouver-Hillsboro, OR-WA (#38900)
    CBSA Metro Statistical Area: Portland-Vancouver-Hillsboro, OR-WA (#38900)
  • Financial Summary
  • Total assets: $31.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $17Total assets
  • $27,808Cash and due from depository institutions
  • $4,284Interest-bearing balances
  • $2,152Securities
  • $4,483Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $18,515Loan loss allowance
  • $254Trading account assets
  • $0Bank premises and fixed assets
  • $222Other real estate owned
  • $0Goodwill and other intangibles
  • $244Life insurance assets
  • $60All other assets
  • $0Total liabilities and capital
  • $27,808Total liabilities
  • $25,920Total deposits
  • $25,578Interest-bearing deposits
  • $20,078Deposits held in domestic offices
  • 25578.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $342Total equity capital
  • $342Total bank equity capital
  • $1,888Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $1,207Undivided profits
  • Memoranda
  • $680Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $154Earning assets
  • $25,150Long-term assets (5+ years)
  • $4,341Average Assets, year-to-date
  • $22,777Average Assets, quarterly
  • $27,264Volatile liabilities
  • $1,071Insider loans
  • $20FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,228Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,862Total risk weighted assets
  • $19,521Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,999Total interest expense
  • $572Net interest income
  • $1,427Provision for loan and lease losses
  • $80Total noninterest income
  • $129Fiduciary activities
  • $0Service charges on deposit accounts
  • $95Trading account gains & fees
  • $0Additional noninterest income
  • $34Total noninterest expense
  • $1,206Salaries and employee benefits
  • $589Premises and equipment expense
  • $151Additional noninterest expense
  • $466Pre-tax net operating income
  • $270Securities gains (losses)
  • $0Applicable income taxes
  • $99Income before extraordinary items
  • $171Extraordinary gains - net
  • $0Net income attributable to bank
  • $171Net charge-offs
  • $4Cash dividends
  • $47Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.64%Cost of funding earning assets
  • 2.76%Net interest margin
  • 6.88%Noninterest income to earning assets
  • 0.62%Noninterest expense to earning assets
  • 5.81%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 1.19%Return on equity (ROE)
  • 9.48%Retained earnings to average equity (YTD only)
  • 6.87%Net charge-offs to loans
  • 0.03%Credit loss provision to net charge-offs
  • 2000.00%Efficiency ratio
  • 75,386Assets per employee
  • 1.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.49%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 72.39%Net loans and leases to core deposits
  • 75.55%Equity capital to assets
  • 6.79%Core capital (leverage) ratio
  • 6.89%Tier 1 risk-based capital ratio
  • 9.54%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $22,777Average earning assets
  • $1,804Average equity
  • $20,747Average loans

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