ValliWide Bank in Fresno, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 21, 1997

  • ValliWide Bank in Fresno, California (CA)
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ValliWide Bank - Overview

  • General
  • FDIC Certificate #: 21166
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Westamerica Bank (#3430)
    Federal Reserve ID: 177265
    Date Established: July 20, 1973
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 64 (Interstate: No)
    OTS Docket #: 11517
    FDIC's unique #: 14634
    Numeric code: 13
    Regulator: FED
    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: July 20, 1973
    Last Structure Change Effective Date: June 21, 1997
    Last Structure Change Process Date: July 02, 1997
    Last Data Update: July 02, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 8401 North Fresno Street, Fresno, CA 93720
    County: Fresno
    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): Fresno, CA (#23420)
    CBSA Metro Statistical Area: Fresno, CA (#23420)
  • Financial Summary
  • Total assets: $1,207.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $760Total assets
  • $1,305,092Cash and due from depository institutions
  • $113,647Interest-bearing balances
  • $100Securities
  • $216,208Federal funds sold & reverse repurchase agreements
  • $78,000Net loans & leases
  • $827,002Loan loss allowance
  • $16,001Trading account assets
  • $0Bank premises and fixed assets
  • $28,531Other real estate owned
  • $3,821Goodwill and other intangibles
  • $21,411Life insurance assets
  • $16,472All other assets
  • $0Total liabilities and capital
  • $1,305,092Total liabilities
  • $1,177,942Total deposits
  • $1,148,007Interest-bearing deposits
  • $827,791Deposits held in domestic offices
  • 1148007.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $6,300Trading liabilities
  • $0Other borrowed funds
  • $15,523Subordinated debt
  • $0All other liabilities
  • $8,112Total equity capital
  • $8,112Total bank equity capital
  • $127,150Perpetual preferred stock
  • $0Common stock
  • $68,606Surplus
  • $13,353Undivided profits
  • Memoranda
  • $45,191Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,730Income earned, not collected on loans
  • $6,717Earning assets
  • $1,121,310Long-term assets (5+ years)
  • $140,078Average Assets, year-to-date
  • $1,261,261Average Assets, quarterly
  • $1,309,761Volatile liabilities
  • $132,454Insider loans
  • $3,117FHLB advances
  • $0Loans and leases held for sale
  • $8,262Unused loan commitments
  • $220,609Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $111,898Total risk weighted assets
  • $917,372Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $99,775Total interest expense
  • $30,800Net interest income
  • $68,975Provision for loan and lease losses
  • $7,731Total noninterest income
  • $15,121Fiduciary activities
  • $0Service charges on deposit accounts
  • $8,137Trading account gains & fees
  • $0Additional noninterest income
  • $6,984Total noninterest expense
  • $58,826Salaries and employee benefits
  • $23,377Premises and equipment expense
  • $11,142Additional noninterest expense
  • $24,307Pre-tax net operating income
  • $17,539Securities gains (losses)
  • $16Applicable income taxes
  • $6,556Income before extraordinary items
  • $10,999Extraordinary gains - net
  • $0Net income attributable to bank
  • $10,999Net charge-offs
  • $8,381Cash dividends
  • $18,200Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.03%Cost of funding earning assets
  • 2.79%Net interest margin
  • 6.24%Noninterest income to earning assets
  • 1.37%Noninterest expense to earning assets
  • 5.32%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 1.39%Return on equity (ROE)
  • 9.50%Retained earnings to average equity (YTD only)
  • -6.22%Net charge-offs to loans
  • 1.01%Credit loss provision to net charge-offs
  • 92.24%Efficiency ratio
  • 67,846Assets per employee
  • 1.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 165.47%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 149.12%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 72.04%Net loans and leases to core deposits
  • 80.54%Equity capital to assets
  • 9.74%Core capital (leverage) ratio
  • 8.57%Tier 1 risk-based capital ratio
  • 12.20%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,261,261Average earning assets
  • $115,745Average equity
  • $1,105,088Average loans

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