Vitals
  • Total Assets
    421.6M 0.1 %
  • Total Deposits
    367.5M 4.2 %
  • Total Net Loans
    315.3M 5.6 %
  • Net Income
    4.6M -6.7 %
  • Book Value
    49.4M 6.5 %
  • Book Value x2
    98.7M 6.5 %
  • Book Value x3
    148.1M 6.5 %
ROAA

1.1

ROAE

9.605

Efficiency Ratio

64.64

Net Interest Margin

4.2

Balance Sheet Highlights
Financial Highlights Valley Business Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 421,614 1,346,313
Total Net Loans 315,273 907,793
Total Deposits 367,503 1,084,972
Total Equity 49,368 169,778
Profitability
Net Income 4,608 12,577
Return on Average Assets 1.1 .955
Return on Average Equity 9.605 8.072
Net Interest Margin 4.2 3.784
Efficiency Ratio 64.64 64.937
Noninterest Income/Revenue 8.701 13.682
Balance Sheet Ratios
Loan-to-Deposit 85.788 83.983
Securities/Assets .109 .141
Total Equity/Total Assets .117 .126
Tangible Equity/Tangible Assets .117 .113
Capital Adequacy
Tier 1 Common Capital 49,463 147,337
Tier 1 Capital 49,463 147,552
Tier 2 Capital 3,475 11,893
Total Capital 52,938 160,236
Total Risk Weighted Assets 329,168 1,009,488
Leverage Ratio 11.5 11.256
Common Equity Tier 1 Capital Ratio 15.03 14.697
Tier 1 Capital Ratio 15.03 14.792
Total Capital Ratio 16.08 16.005

Timeline for Valley Business Bank

Valley Commerce Bancorp

Valley Commerce Bancorp became a new parent organization for Valley Business Bank.

View Profile Nov 21 2002

Valley Business Bank

Valley Business Bank was established 28 years ago and is currently headquartered in Visalia, CA.

Apr 08 1996
Relationships Role Relationship Start Relationship End
Valley Commerce Bancorp Parent 11/21/2002
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