Mountain Valley Bank in Dunlap, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Mountain Valley Bank in Dunlap, Tennessee (TN)
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Mountain Valley Bank routing number info

Mountain Valley Bank - Overview

  • General
  • FDIC Certificate #: 1705
    Status: Active
    Federal Reserve ID: 714437
    Bank Holding Company (Regulatory Top Holder): Sequatchie County Bancorp, Inc. (RSSDID: 1134751, Location: Dunlap, TN)
    Date Established: January 01, 1905
    WWW: http://www.mtnvalleybankonline.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1124
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 27, 2010
    Last Structure Change Process Date: May 27, 2010
    Last Data Update: May 27, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 17114 Rankin Avenue, Dunlap, TN 37327
    County: Sequatchie
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Chattanooga-Cleveland-Athens, TN-GA (#174)
    Core Based Statistical Area (CBSA): Chattanooga, TN-GA (#16860)
    CBSA Metro Statistical Area: Chattanooga, TN-GA (#16860)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $97.1 mil
    Equity capital: $8.4 mil
    Deposits held in domestic offices: $88.4 mil
    Return on assets (ROA): 0.29% ($0.3 mil)
    Quarterly return on assets: 0.28% ($0.3 mil)
    Return on Equity (ROE): 3.35% ($0.3 mil)
    Quarterly return on equity: 3.16% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.41% ($398.3 mil)
    Quarterly Pretax return on assets: 0.43% ($417.7 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 37Total employees (full-time equivalent)
  • $97,139Total assets
  • $6,685Cash and due from depository institutions
  • $4,718Interest-bearing balances
  • $16,929Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $66,801Net loans & leases
  • $1,494Loan loss allowance
  • $0Trading account assets
  • $2,616Bank premises and fixed assets
  • $1,744Other real estate owned
  • $0Goodwill and other intangibles
  • $97,139Life insurance assets
  • $1,364All other assets
  • $88,774Total liabilities and capital
  • $88,447Total liabilities
  • $75,662Total deposits
  • $88,447Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $327Subordinated debt
  • $8,365All other liabilities
  • $8,365Total equity capital
  • $8,365Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $800Surplus
  • $7,165Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,072Income earned, not collected on loans
  • $0Earning assets
  • $540Long-term assets (5+ years)
  • $89,448Average Assets, year-to-date
  • $8,469Average Assets, quarterly
  • $96,272Volatile liabilities
  • $95,998Insider loans
  • $59,750FHLB advances
  • $96,174Loans and leases held for sale
  • $190Unused loan commitments
  • $190Tier 1 (core) risk-based capital
  • $8,277Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,256Restructured Loans and leases
  • $56Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,895Total interest income
  • $910Total interest expense
  • $3,985Net interest income
  • $660Provision for loan and lease losses
  • $452Total noninterest income
  • $0Fiduciary activities
  • $399Service charges on deposit accounts
  • $0Trading account gains & fees
  • $53Additional noninterest income
  • $3,379Total noninterest expense
  • $1,520Salaries and employee benefits
  • $470Premises and equipment expense
  • $1,389Additional noninterest expense
  • $398Pre-tax net operating income
  • $0Securities gains (losses)
  • $121Applicable income taxes
  • $277Income before extraordinary items
  • $0Extraordinary gains - net
  • $277Net income attributable to bank
  • $0Net charge-offs
  • $277Cash dividends
  • $617Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 4.51%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.35%Return on equity (ROE)
  • 2.14%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 106.97%Credit loss provision to net charge-offs
  • 1.71%Efficiency ratio
  • 76,155Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.10%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 36.69%Noncurrent assets plus other real estate owned to assets
  • 5.99%Noncurrent loans to loans
  • 5.96%Net loans and leases to deposits
  • 75.53%Net loans and leases to core deposits
  • 82.94%Equity capital to assets
  • 8.61%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 13.85%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $96,272Average earning assets
  • $8,265Average equity
  • $88,455Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $148Managed Assets
  • 1Number of Accounts
  • $148Personal trust and agency accounts
  • $148Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 44Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Tennessee Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    01124Mountain Valley Bank17114 Rankin Avenue, Dunlap, TN 37327January 01, 1905Full Service Brick and Mortar
    1190021Dunlap BranchHighway 28 South At Cordell Lane, Dunlap, TN 37327September 17, 1990Full Service Brick and Mortar
    2420305Monteagle BranchP. O. Box 1329, Monteagle, TN 37356October 28, 2002Full Service Brick and Mortar

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