Vitals
  • Total Assets
    307.6M
  • Total Deposits
    268.0M
  • Total Net Loans
    204.7M
  • Net Income
    3.0M
  • Book Value
    22.5M
  • Book Value x2
    45.0M
  • Book Value x3
    67.4M
ROAA

1.396

ROAE

19.356

Efficiency Ratio

40.409

Net Interest Margin

4.186

Balance Sheet Highlights
Financial Highlights Modesto Commerce Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 307,591 423,823
Total Net Loans 204,679 304,025
Total Deposits 267,991 340,087
Total Equity 22,479 44,923
Profitability
Net Income 3,039 21,532
Return on Average Assets 1.396 1.315
Return on Average Equity 19.356 12.899
Net Interest Margin 4.186 4.467
Efficiency Ratio 40.409 69.685
Noninterest Income/Revenue 5.062 19.838
Balance Sheet Ratios
Loan-to-Deposit 76.375 76.22
Securities/Assets .077 .691
Total Equity/Total Assets .073 .106
Tangible Equity/Tangible Assets .073 -.498
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 22,401 38,886
Tier 2 Capital 2,609 5,117
Total Capital 25,010 43,066
Total Risk Weighted Assets 249,340 318,222
Leverage Ratio 7.32 10.276
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.98 14.407
Total Capital Ratio 10.03 15.41

Timeline for Modesto Commerce Bank

Bank Of Stockton

Modesto Commerce Bank was acquired by Bank Of Stockton 20 years

View Profile Nov 18 2003

Central Valley Bancorp

Central Valley Bancorp became a new parent organization for Modesto Commerce Bank.

View Profile Oct 07 2000

Modesto Commerce Bank

Modesto Commerce Bank was established 26 years ago and is currently headquartered in Modesto, CA.

Mar 09 1998
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Bank Of Stockton Buyer 2,747,364 Acquisition Discontinued 11/18/2003
Relationships Role Relationship Start Relationship End
Central Valley Bancorp Parent 10/7/2000 11/17/2003
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