Visalia Community Bank in Visalia, California (CA)

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Visalia Community Bank routing number info

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Visalia Community Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)69
Total assets$196,983
Cash and due from depository institutions$37,104
Interest-bearing balances$29,702
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$122,715
Loan loss allowance $2,826
Trading account assets$0
Bank premises and fixed assets$3,254
Other real estate owned$792
Goodwill and other intangibles$0
All other assets$11,084
Life insurance assets$196,983
Total liabilities and capital$178,268
Total liabilities$171,231
Total deposits$119,998
Interest-bearing deposits$171,231
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $5,037
All other liabilities $18,715
Total equity capital$18,715
Total bank equity capital$18,715
Perpetual preferred stock$1,613
Common stock$1,521
Undivided profits $13,761
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,239
Earning assets $0
Long-term assets (5+ years) $531
Average Assets, year-to-date $174,451
Average Assets, quarterly $46,514
Volatile liabilities $197,299
Insider loans $196,963
FHLB advances $143,921
Loans and leases held for sale $198,921
Unused loan commitments $6,451
Tier 1 (core) risk-based capital $5,532
Tier 2 risk-based capital $18,314
Total risk weighted assets $0
Total unused commitments $919
Restructured Loans and leases $25,095
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,364
Total interest expense $838
Net interest income $7,526
Provision for loan and lease losses $681
Total noninterest income $2,360
Fiduciary activities $0
Service charges on deposit accounts $1,421
Trading account gains & fees $0
Additional noninterest income $939
Total noninterest expense $8,576
Salaries and employee benefits $3,800
Premises and equipment expense $1,278
Additional noninterest expense $3,498
Pre-tax net operating income $629
Securities gains (losses) $0
Applicable income taxes $163
Income before extraordinary items $466
Extraordinary gains - net $0
Net income attributable to bank $466
Net charge-offs $0
Cash dividends $466
Sale, conversion, retirement of capital stock, net $1,166
Net operating income $134
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.81%
Cost of funding earning assets 0.48%
Net interest margin 4.33%
Noninterest income to earning assets 1.36%
Noninterest expense to earning assets 4.93%
Net operating income to assets 0.24%
Return on assets (ROA) 0.24%
Pretax return on assets 0.32%
Return on equity (ROE) 2.51%
Retained earnings to average equity (YTD only) 1.79%
Net charge-offs to loans 0.89%
Credit loss provision to net charge-offs 58.40%
Efficiency ratio1.12%
Assets per employee$86,749
Cash dividends to net income (YTD only)2.85%
Condition Ratios (%)
Loss allowance to loans 28.76%
Loss allowance to noncurrent loans 2.25%
Noncurrent assets plus other real estate owned to assets 66.67%
Noncurrent loans to loans 2.55%
Net loans and leases to deposits3.38%
Net loans and leases to core deposits 71.67%
Equity capital to assets 74.65%
Core capital (leverage) ratio 9.50%
Tier 1 risk-based capital ratio 9.21%
Total risk-based capital ratio 12.73%
Average assets$14
Average earning assets$197,299
Average equity $18,553
Average loans $173,855
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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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