FDIC Certificate #: 34386 Status: Active Federal Reserve ID: 2607412 Bank Holding Company (Regulatory Top Holder): Sv Bancorp, Inc. (RSSDID: 3464340, Location: Wyoming, OH) Date Established: September 02, 1997 WWW:http://www.nowebsite.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 57149 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: September 02, 1997 Last Structure Change Effective Date: January 04, 2012 Last Structure Change Process Date: January 04, 2012 Last Data Update: January 04, 2012 Data Source Date: April 05, 2012
Location
Address: 1206 Springfield Pike, Wyoming, OH 45215 County: Hamilton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Cincinnati Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $67.5 mil Equity capital: $27.1 mil Deposits held in domestic offices: $40.4 mil Return on assets (ROA): 3.09% ($2.1 mil) Quarterly return on assets: 3.78% ($2.6 mil) Return on Equity (ROE): 7.93% ($2.1 mil) Quarterly return on equity: 9.44% ($2.5 mil) Net income: $2.1 mil Quarterly Net income: $0.6 mil Pretax return on assets: 3.09% ($2,085.8 mil) Quarterly Pretax return on assets: 3.78% ($2,551.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$67,501Total assets
$3,489Cash and due from depository institutions
$3,352Interest-bearing balances
$5,037Securities
$8,425Federal funds sold & reverse repurchase agreements
$47,579Net loans & leases
$775Loan loss allowance
$0Trading account assets
$115Bank premises and fixed assets
$1,819Other real estate owned
$0Goodwill and other intangibles
$67,501Life insurance assets
$1,037All other assets
$40,449Total liabilities and capital
$40,362Total liabilities
$37,627Total deposits
$40,362Interest-bearing deposits
$78Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$87Subordinated debt
$27,052All other liabilities
$27,052Total equity capital
$27,052Total bank equity capital
$0Perpetual preferred stock
$2,000Common stock
$3,342Surplus
$21,710Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,070Income earned, not collected on loans
$1,290Earning assets
$636Long-term assets (5+ years)
$64,393Average Assets, year-to-date
$9,709Average Assets, quarterly
$67,135Volatile liabilities
$67,030Insider loans
$53,536FHLB advances
$67,243Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$27,052Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,238Restructured Loans and leases
$184Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,083Total interest income
$338Total interest expense
$3,745Net interest income
$566Provision for loan and lease losses
$83Total noninterest income
$0Fiduciary activities
$17Service charges on deposit accounts
$0Trading account gains & fees
$66Additional noninterest income
$1,186Total noninterest expense
$816Salaries and employee benefits
$72Premises and equipment expense
$298Additional noninterest expense
$2,076Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,076Income before extraordinary items
$0Extraordinary gains - net
$2,076Net income attributable to bank
$0Net charge-offs
$2,076Cash dividends
$381Sale, conversion, retirement of capital stock, net
$600Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.45%Yield on earning assets
0.53%Cost of funding earning assets
5.92%Net interest margin
0.13%Noninterest income to earning assets
1.87%Noninterest expense to earning assets
3.09%Net operating income to assets
3.09%Return on assets (ROA)
3.09%Pretax return on assets
7.93%Return on equity (ROE)
5.63%Retained earnings to average equity (YTD only)
0.76%Net charge-offs to loans
148.56%Credit loss provision to net charge-offs
6.93%Efficiency ratio
30,982Assets per employee
6.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.90%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
12.77%Noncurrent assets plus other real estate owned to assets
11.69%Noncurrent loans to loans
12.55%Net loans and leases to deposits
117.88%Net loans and leases to core deposits
118.66%Equity capital to assets
40.08%Core capital (leverage) ratio
40.23%Tier 1 risk-based capital ratio
50.53%Total risk-based capital ratio
Memoranda
$52Average assets
$67,135Average earning assets
$26,194Average equity
$63,303Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57149
Spring Valley Bank
1206 Springfield Pike, Wyoming, OH 45215
September 02, 1997
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Spring Valley Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: