Vitals
  • Total Assets
    675.6M 8.3 %
  • Total Deposits
    590.8M 8.7 %
  • Total Net Loans
    504.5M 9.5 %
  • Net Income
    5.9M -20.7 %
  • Book Value
    78.1M 7.9 %
  • Book Value x2
    156.1M 7.9 %
  • Book Value x3
    234.2M 7.9 %
ROAA

.91

ROAE

7.899

Efficiency Ratio

60.482

Net Interest Margin

4.294

Balance Sheet Highlights
Financial Highlights Bay Commercial Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 675,574 1,346,313
Total Net Loans 504,540 907,793
Total Deposits 590,759 1,084,972
Total Equity 78,063 169,778
Profitability
Net Income 5,912 12,577
Return on Average Assets .91 .955
Return on Average Equity 7.899 8.072
Net Interest Margin 4.294 3.784
Efficiency Ratio 60.482 64.937
Noninterest Income/Revenue 4.275 13.682
Balance Sheet Ratios
Loan-to-Deposit 85.405 83.983
Securities/Assets .021 .141
Total Equity/Total Assets .116 .126
Tangible Equity/Tangible Assets .114 .113
Capital Adequacy
Tier 1 Common Capital 72,937 147,337
Tier 1 Capital 72,937 147,552
Tier 2 Capital 4,055 11,893
Total Capital 76,992 160,236
Total Risk Weighted Assets 543,053 1,009,488
Leverage Ratio 10.62 11.256
Common Equity Tier 1 Capital Ratio 13.43 14.697
Tier 1 Capital Ratio 13.43 14.792
Total Capital Ratio 14.18 16.005

Timeline for Bay Commercial Bank

Valley Community Bank

Acquisition: Bay Commercial Bank acquired a new subsidiary, Valley Community Bank, 9 years

View Profile Feb 14 2015

Community Bank Of San Joaquin

Acquisition: Bay Commercial Bank acquired a new subsidiary, Community Bank Of San Joaquin, 10 years

View Profile Apr 26 2014

Bank On It, Inc.

Acquisition: Bay Commercial Bank acquired a new subsidiary, Bank On It, Inc. , 10 years

View Profile Apr 26 2014

Global Trust Bank

Acquisition: Bay Commercial Bank acquired a new subsidiary, Global Trust Bank, 12 years

View Profile Oct 19 2011

Financial Junk, L.L.C.

Financial Junk, L.L.C. became a new parent organization for Bay Commercial Bank.

View Profile Jul 31 2008

Want to see more?

Complete timeline for Bay Commercial Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Valley Community Bank Seller 126,393 Acquisition Discontinued 2/14/2015
Community Bank Of San Joaquin Seller 123,585 Acquisition Discontinued 4/26/2014
Bank On It, Inc. Seller Acquisition Discontinued 4/26/2014
Global Trust Bank Seller 86,651 Acquisition Discontinued 10/19/2011
Relationships Role Relationship Start Relationship End
Black River Bancventure, Inc. Parent 12/31/2008 9/29/2009
Financial Junk, L.L.C. Parent 7/31/2008 9/29/2009
Spence Limited, L.P. Parent 7/31/2008 9/29/2009
Black River Bancventure, Inc. Parent 11/4/2008 12/30/2008
Black River Bancventure, Inc. Parent 9/29/2008 11/3/2008
Black River Bancventure, Inc. Parent 7/31/2008 9/28/2008
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