Napa Valley Bank in Napa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 12, 1996

  • Napa Valley Bank in Napa, California (CA)
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Napa Valley Bank - Overview

  • General
  • FDIC Certificate #: 20432
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Westamerica Bank (#3430)
    Federal Reserve ID: 521662
    Date Established: June 03, 1971
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    FDIC's unique #: 14083
    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: June 03, 1971
    Last Structure Change Effective Date: April 12, 1996
    Last Structure Change Process Date: April 18, 1996
    Last Data Update: April 18, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: One Financial Plaza, Napa, CA 94558
    County: Napa
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Vallejo-Fairfield-Napa, CA (#8720)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): Napa, CA (#34900)
    CBSA Metro Statistical Area: Napa, CA (#34900)
  • Financial Summary
  • Total assets: $274.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $66Total assets
  • $275,412Cash and due from depository institutions
  • $20,276Interest-bearing balances
  • $0Securities
  • $88,198Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $151,237Loan loss allowance
  • $8,356Trading account assets
  • $0Bank premises and fixed assets
  • $3,980Other real estate owned
  • $2,996Goodwill and other intangibles
  • $8,725Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $275,412Total liabilities
  • $246,008Total deposits
  • $232,165Interest-bearing deposits
  • $177,245Deposits held in domestic offices
  • 232165.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $12,020Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,823Total equity capital
  • $1,823Total bank equity capital
  • $29,404Perpetual preferred stock
  • $0Common stock
  • $993Surplus
  • $15,779Undivided profits
  • Memoranda
  • $12,632Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,248Income earned, not collected on loans
  • $1,427Earning assets
  • $239,435Long-term assets (5+ years)
  • $56,911Average Assets, year-to-date
  • $278,435Average Assets, quarterly
  • $280,170Volatile liabilities
  • $24,532Insider loans
  • $1,443FHLB advances
  • $0Loans and leases held for sale
  • $42Unused loan commitments
  • $28,007Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $28,515Total risk weighted assets
  • $195,064Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $20,354Total interest expense
  • $6,684Net interest income
  • $13,670Provision for loan and lease losses
  • $740Total noninterest income
  • $2,607Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,562Trading account gains & fees
  • $0Additional noninterest income
  • $1,045Total noninterest expense
  • $9,947Salaries and employee benefits
  • $2,487Premises and equipment expense
  • $1,242Additional noninterest expense
  • $6,218Pre-tax net operating income
  • $5,590Securities gains (losses)
  • -$1Applicable income taxes
  • $1,864Income before extraordinary items
  • $3,725Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,725Net charge-offs
  • $708Cash dividends
  • $2,380Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.35%Cost of funding earning assets
  • 2.74%Net interest margin
  • 5.61%Noninterest income to earning assets
  • 1.07%Noninterest expense to earning assets
  • 4.08%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 2.01%Return on equity (ROE)
  • 13.03%Retained earnings to average equity (YTD only)
  • 4.71%Net charge-offs to loans
  • 0.45%Credit loss provision to net charge-offs
  • 104.52%Efficiency ratio
  • 61,111Assets per employee
  • 4.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.89%Loss allowance to loans
  • 5.24%Loss allowance to noncurrent loans
  • 196.70%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 2.66%Net loans and leases to deposits
  • 65.14%Net loans and leases to core deposits
  • 68.85%Equity capital to assets
  • 10.68%Core capital (leverage) ratio
  • 10.39%Tier 1 risk-based capital ratio
  • 14.62%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $278,435Average earning assets
  • $28,580Average equity
  • $243,691Average loans

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