Institution Statistics
| Valley Community Bank | | FDIC Certificate # | 34689 | | BankRate Report | View | | Year Established | 1998 | | Employees | 34 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $162.35 million | | Loans | $111.89 million | | Deposits | $139.73 million | | Equity Capital | $16.28 million | | Loan Loss Allowance | $5.09 million | | Unbacked Noncurrent Loans | $11.57 million | | Real Estate Owned | $292,000 |
Historic Data - December 2011 | | Assets | $185.33 million | | Equity Capital | $19.68 million | | Loan Loss Allowance | $4.10 million | | Unbacked Noncurrent Loans | $11.95 million | | Real Estate Owned | $1.63 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.99% | | Return on Assets | -1.98% | | Return on Equity | -18.85% | | Interest Income | $7.21 million |
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Institution Health
Overall Score:
3 out of 5
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Valley Community Bank (CA) had $11.86 million in non-current loans and owned real-estate with $21.38 million in equity and loan loss allowances on hand to cover it. This gives Valley Community Bank (CA) a Texas Ratio of 55.50% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Valley Community Bank (CA) held steady from 57.07% as of December 31, 2011 to 55.50% as of December 31, 2012, resulting in a positive change of 2.75%.This indicates that the balance sheet and financial strength for Valley Community Bank (CA) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Valley Community Bank (CA) has decreased its total deposits by -$18.13 million, resulting in -11.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valley Community Bank (CA) has shown is poor. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valley Community Bank (CA) has $162.34 million in assets with $21.38 million in equity, resulting in a capitalization level of 13.17%, which is excellent. |
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