FDIC Certificate #: 35039 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Central Valley Community Bank (#23030) Federal Reserve ID: 2853349 Date Established: October 18, 1999 WWW:http://www.bankmadera.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 73863 Numeric code: 21 Regulator: FDIC 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: October 18, 1999 Last Structure Change Effective Date: January 01, 2005 Last Structure Change Process Date: January 14, 2005 Last Data Update: January 14, 2005 Data Source Date: April 05, 2012
Location
Address: 40266 Junction Drive, Oakhurst, CA 93644 County: Madera 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): Fresno, CA (#2840) Combined Statistical Area (CSA): Fresno-Madera, CA (#260) Core Based Statistical Area (CBSA): Madera-Chowchilla, CA (#31460) CBSA Metro Statistical Area: Madera-Chowchilla, CA (#31460)
Financial Summary
Total assets: $68.1 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2004)
Dollar figures in thousands
24Total employees (full-time equivalent)
$68,094Total assets
$2,841Cash and due from depository institutions
$12Interest-bearing balances
$0Securities
$19,250Federal funds sold & reverse repurchase agreements
$45,028Net loans & leases
$751Loan loss allowance
$0Trading account assets
$390Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$585All other assets
$68,094Total liabilities and capital
$64,270Total liabilities
$63,783Total deposits
$44,596Interest-bearing deposits
$63,783Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$487All other liabilities
$3,824Total equity capital
$3,824Total bank equity capital
$3,824Perpetual preferred stock
$0Common stock
$4,729Surplus
$0Undivided profits
Memoranda
$-905Noncurrent loans and leases
$16,756Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$718Earning assets
$434Long-term assets (5+ years)
$159Average Assets, year-to-date
$64,290Average Assets, quarterly
$847Volatile liabilities
$60,979Insider loans
$65,521FHLB advances
$12,035Loans and leases held for sale
$2,217Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$16,756Total unused commitments
$0Restructured Loans and leases
$632Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$3,399Total interest income
$610Total interest expense
$2,789Net interest income
$214Provision for loan and lease losses
$340Total noninterest income
$0Fiduciary activities
$206Service charges on deposit accounts
$0Trading account gains & fees
$134Additional noninterest income
$3,457Total noninterest expense
$1,570Salaries and employee benefits
$362Premises and equipment expense
$1,525Additional noninterest expense
-$542Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$542Income before extraordinary items
$0Extraordinary gains - net
-$542Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$26Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.89%Yield on earning assets
1.06%Cost of funding earning assets
4.83%Net interest margin
0.59%Noninterest income to earning assets
5.99%Noninterest expense to earning assets
-0.89%Net operating income to assets
-0.89%Return on assets (ROA)
-0.89%Pretax return on assets
-12.31%Return on equity (ROE)
-12.31%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
823.08%Credit loss provision to net charge-offs
-12.62%Efficiency ratio
110,483Assets per employee
2.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.64%Loss allowance to noncurrent loans
104.60%Noncurrent assets plus other real estate owned to assets
1.05%Noncurrent loans to loans
1.57%Net loans and leases to deposits
70.60%Net loans and leases to core deposits
87.01%Equity capital to assets
5.62%Core capital (leverage) ratio
5.72%Tier 1 risk-based capital ratio
7.57%Total risk-based capital ratio
Memoranda
$9Average assets
$60,979Average earning assets
$4,402Average equity
$57,685Average loans
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