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

  • Visalia Community Bank in Visalia, California (CA)
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Visalia Community Bank - Overview

  • General
  • FDIC Certificate #: 22496
    Status: Active
    Federal Reserve ID: 277567
    Date Established: August 01, 1977
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 9821
    FDIC's unique #: 15686
    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 01, 1977
    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: 120 North Floral Street, Visalia, CA 93291
    County: Tulare
    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): Visalia-Tulare-Porterville, CA (#8780)
    Core Based Statistical Area (CBSA): Visalia-Porterville, CA (#47300)
    CBSA Metro Statistical Area: Visalia-Porterville, CA (#47300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $197.0 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $171.2 mil
    Return on assets (ROA): 0.24% ($0.5 mil)
    Quarterly return on assets: -0.19% (-$0.4 mil)
    Return on Equity (ROE): 2.51% ($0.5 mil)
    Quarterly return on equity: -2.03% (-$0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.32% ($630.3 mil)
    Quarterly Pretax return on assets: -0.42% (-$827.3 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
  • 69Total employees (full-time equivalent)
  • $196,983Total assets
  • $37,104Cash and due from depository institutions
  • $29,702Interest-bearing balances
  • $22,034Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $122,715Net loans & leases
  • $2,826Loan loss allowance
  • $0Trading account assets
  • $3,254Bank premises and fixed assets
  • $792Other real estate owned
  • $0Goodwill and other intangibles
  • $196,983Life insurance assets
  • $11,084All other assets
  • $178,268Total liabilities and capital
  • $171,231Total liabilities
  • $119,998Total deposits
  • $171,231Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $5,037Subordinated debt
  • $18,715All other liabilities
  • $18,715Total equity capital
  • $18,715Total bank equity capital
  • $1,613Perpetual preferred stock
  • $1,521Common stock
  • $1,820Surplus
  • $13,761Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,239Income earned, not collected on loans
  • $0Earning assets
  • $531Long-term assets (5+ years)
  • $174,451Average Assets, year-to-date
  • $46,514Average Assets, quarterly
  • $197,299Volatile liabilities
  • $196,963Insider loans
  • $143,921FHLB advances
  • $198,921Loans and leases held for sale
  • $6,451Unused loan commitments
  • $5,532Tier 1 (core) risk-based capital
  • $18,314Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $919Total unused commitments
  • $25,095Restructured Loans and leases
  • $692Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,364Total interest income
  • $838Total interest expense
  • $7,526Net interest income
  • $681Provision for loan and lease losses
  • $2,360Total noninterest income
  • $0Fiduciary activities
  • $1,421Service charges on deposit accounts
  • $0Trading account gains & fees
  • $939Additional noninterest income
  • $8,576Total noninterest expense
  • $3,800Salaries and employee benefits
  • $1,278Premises and equipment expense
  • $3,498Additional noninterest expense
  • $629Pre-tax net operating income
  • $0Securities gains (losses)
  • $163Applicable income taxes
  • $466Income before extraordinary items
  • $0Extraordinary gains - net
  • $466Net income attributable to bank
  • $0Net charge-offs
  • $466Cash dividends
  • $1,166Sale, conversion, retirement of capital stock, net
  • $134Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 4.33%Net interest margin
  • 1.36%Noninterest income to earning assets
  • 4.93%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.24%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 2.51%Return on equity (ROE)
  • 1.79%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 58.40%Credit loss provision to net charge-offs
  • 1.12%Efficiency ratio
  • 86,749Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.76%Loss allowance to loans
  • 2.25%Loss allowance to noncurrent loans
  • 66.67%Noncurrent assets plus other real estate owned to assets
  • 2.55%Noncurrent loans to loans
  • 3.38%Net loans and leases to deposits
  • 71.67%Net loans and leases to core deposits
  • 74.65%Equity capital to assets
  • 9.50%Core capital (leverage) ratio
  • 9.21%Tier 1 risk-based capital ratio
  • 12.73%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $197,299Average earning assets
  • $18,553Average equity
  • $173,855Average loans

List of branches

  • 5 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015686Visalia Community Bank120 North Floral Street, Visalia, CA 93291August 01, 1977Full Service Brick and Mortar
    2254783Mission Oaks Branch5412 Avenida De Las Robles, Visalia, CA 93291April 06, 1981Full Service Brick and Mortar
    3254784West Caldwell Branch2245 West Caldwell Avenue, Visalia, CA 93277August 17, 1998Full Service Brick and Mortar
    4363421Exeter Branch300 East Pine Street, Exeter, CA 93221April 15, 2002Full Service Brick and Mortar
    5445200Ferguson Branch2136 North Dinuba Boulevard, Visalia, CA 93291October 17, 2005Full Service Brick and Mortar

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