Valley Community Bank in Pleasanton, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Valley Community Bank in Pleasanton, California (CA)
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Valley Community Bank - Overview

  • General
  • FDIC Certificate #: 34689
    Status: Active
    Federal Reserve ID: 2723068
    Date Established: August 10, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 61201
    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: August 10, 1998
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 465 Main Street, Pleasanton, CA 94566
    County: Alameda
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $186.3 mil
    Equity capital: $20.4 mil
    Deposits held in domestic offices: $157.9 mil
    Return on assets (ROA): -1.78% (-$3.3 mil)
    Quarterly return on assets: -6.98% (-$13.0 mil)
    Return on Equity (ROE): -14.85% (-$3.0 mil)
    Quarterly return on equity: -58.95% (-$11.8 mil)
    Net income: -$3.5 mil
    Quarterly Net income: -$3.3 mil
    Pretax return on assets: -1.52% (-$2,832.2 mil)
    Quarterly Pretax return on assets: -5.90% (-$10,993.6 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, 2011)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $186,332Total assets
  • $25,539Cash and due from depository institutions
  • $20,695Interest-bearing balances
  • $14,891Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $134,822Net loans & leases
  • $4,098Loan loss allowance
  • $0Trading account assets
  • $363Bank premises and fixed assets
  • $1,625Other real estate owned
  • $2,261Goodwill and other intangibles
  • $186,332Life insurance assets
  • $6,831All other assets
  • $165,914Total liabilities and capital
  • $157,861Total liabilities
  • $113,262Total deposits
  • $157,861Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $2,053Subordinated debt
  • $20,418All other liabilities
  • $20,418Total equity capital
  • $20,418Total bank equity capital
  • $5,775Perpetual preferred stock
  • $16,601Common stock
  • $493Surplus
  • $-2,451Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,015Income earned, not collected on loans
  • $0Earning assets
  • $506Long-term assets (5+ years)
  • $170,408Average Assets, year-to-date
  • $816Average Assets, quarterly
  • $194,343Volatile liabilities
  • $186,874Insider loans
  • $148,986FHLB advances
  • $187,674Loans and leases held for sale
  • $2,834Unused loan commitments
  • $2,834Tier 1 (core) risk-based capital
  • $20,167Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,245Restructured Loans and leases
  • $2,909Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,114Total interest income
  • $1,093Total interest expense
  • $8,021Net interest income
  • $6,500Provision for loan and lease losses
  • $3,830Total noninterest income
  • $0Fiduciary activities
  • $262Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,568Additional noninterest income
  • $8,297Total noninterest expense
  • $4,305Salaries and employee benefits
  • $918Premises and equipment expense
  • $3,074Additional noninterest expense
  • -$2,946Pre-tax net operating income
  • $0Securities gains (losses)
  • $504Applicable income taxes
  • -$3,450Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,450Net income attributable to bank
  • $0Net charge-offs
  • -$3,450Cash dividends
  • $5,818Sale, conversion, retirement of capital stock, net
  • $295Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 4.51%Net interest margin
  • 2.15%Noninterest income to earning assets
  • 4.66%Noninterest expense to earning assets
  • -1.78%Net operating income to assets
  • -1.78%Return on assets (ROA)
  • -1.52%Pretax return on assets
  • -14.85%Return on equity (ROE)
  • -16.12%Retained earnings to average equity (YTD only)
  • 3.75%Net charge-offs to loans
  • 111.72%Credit loss provision to net charge-offs
  • 0.61%Efficiency ratio
  • 70,011Assets per employee
  • 5.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -8.55%Loss allowance to loans
  • 2.95%Loss allowance to noncurrent loans
  • 40.92%Noncurrent assets plus other real estate owned to assets
  • 6.25%Noncurrent loans to loans
  • 7.21%Net loans and leases to deposits
  • 85.41%Net loans and leases to core deposits
  • 88.96%Equity capital to assets
  • 10.96%Core capital (leverage) ratio
  • 10.75%Tier 1 risk-based capital ratio
  • 13.54%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $194,343Average earning assets
  • $23,230Average equity
  • $177,967Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061201Valley Community Bank465 Main Street, Pleasanton, CA 94566August 10, 1998Full Service Brick and Mortar
    1358842Livermore Branch1986 Second Street, Livermore, CA 94550October 16, 2000Full Service Brick and Mortar
    3444359San Jose Branch1150 Bascom Avenue, Suite 29, San Jose, CA 95128September 12, 2005Full Service Brick and Mortar
    4462686Loan Production Office740 Front Street, Santa Cruz, CA 95060April 11, 2007Limited Service Loan Production
    5469968Santa Cruz Branch740 Front Street, Suite 310, Santa Cruz, CA 95060January 02, 2008Limited Service Loan Production

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