NVB Business Bank in Woodland, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 30, 2006

  • NVB Business Bank in Woodland, California (CA)
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NVB Business Bank - Overview

  • General
  • FDIC Certificate #: 34741
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: North Valley Bank (#20959)
    Federal Reserve ID: 2720946
    Date Established: July 31, 1998
    WWW: http://www.novb.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 15774
    FDIC's unique #: 61425
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 31, 1998
    Last Structure Change Effective Date: June 30, 2006
    Last Structure Change Process Date: August 03, 2006
    Last Data Update: August 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 630 Main Street, Woodland, CA 95695
    County: Yolo
    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): Yolo, CA (#9270)
    Consolidated Metropolitan Statistical Area (CMSA): Sacramento-Yolo, CA (#82)
    Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472)
    Core Based Statistical Area (CBSA): Sacramento-Arden-Arcade-Roseville, CA (#40900)
    CBSA Metro Statistical Area: Sacramento-Arden-Arcade-Roseville, CA (#40900)
  • Financial Summary
  • Total assets: $150.1 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, 2005)

  • Dollar figures in thousands
  • 45Total employees (full-time equivalent)
  • $163,991Total assets
  • $9,532Cash and due from depository institutions
  • $0Interest-bearing balances
  • $18,497Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $112,579Net loans & leases
  • $1,344Loan loss allowance
  • $0Trading account assets
  • $3,119Bank premises and fixed assets
  • $0Other real estate owned
  • $16,428Goodwill and other intangibles
  • $0Life insurance assets
  • $3,836All other assets
  • $163,991Total liabilities and capital
  • $133,754Total liabilities
  • $113,667Total deposits
  • $81,015Interest-bearing deposits
  • $113,667Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $382Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $19,000Other borrowed funds
  • $0Subordinated debt
  • $705All other liabilities
  • $30,237Total equity capital
  • $30,237Total bank equity capital
  • $30,237Perpetual preferred stock
  • $0Common stock
  • $23,727Surplus
  • $7,100Undivided profits
  • Memoranda
  • $-590Noncurrent loans and leases
  • $30,753Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $707Average Assets, year-to-date
  • $131,076Average Assets, quarterly
  • $24,366Volatile liabilities
  • $147,531Insider loans
  • $158,711FHLB advances
  • $32,232Loans and leases held for sale
  • $0Unused loan commitments
  • $19,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $30,753Total unused commitments
  • $0Restructured Loans and leases
  • $1,344Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $8,121Total interest income
  • $2,137Total interest expense
  • $5,984Net interest income
  • $300Provision for loan and lease losses
  • $298Total noninterest income
  • $0Fiduciary activities
  • $93Service charges on deposit accounts
  • $0Trading account gains & fees
  • $205Additional noninterest income
  • $7,157Total noninterest expense
  • $3,270Salaries and employee benefits
  • $1,354Premises and equipment expense
  • $2,533Additional noninterest expense
  • -$1,175Pre-tax net operating income
  • $0Securities gains (losses)
  • -$550Applicable income taxes
  • -$625Income before extraordinary items
  • $0Extraordinary gains - net
  • -$625Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.84%Yield on earning assets
  • 1.80%Cost of funding earning assets
  • 5.04%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 6.03%Noninterest expense to earning assets
  • -0.42%Net operating income to assets
  • -0.42%Return on assets (ROA)
  • -0.80%Pretax return on assets
  • -2.29%Return on equity (ROE)
  • -2.29%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 652.17%Credit loss provision to net charge-offs
  • -19.02%Efficiency ratio
  • 111,605Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 99.04%Net loans and leases to core deposits
  • 111.67%Equity capital to assets
  • 18.44%Core capital (leverage) ratio
  • 9.89%Tier 1 risk-based capital ratio
  • 10.06%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $147,531Average earning assets
  • $27,257Average equity
  • $118,689Average loans

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