Valley Bank & Trust in city_name, state_name - Detailed Financial Reports, Location

Valley Bank & Trust in Mapleton, Iowa (IA)
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Valley Bank & Trust routing number info

Valley Bank & Trust - Overview

General
FDIC Certificate #: 251
Status: Active
Federal Reserve ID: 943143
Bank Holding Company (Regulatory Top Holder): Beulah Bancorporation, Inc. (RSSDID: 1919976, Location: Sioux Falls, SD)
Date Established: October 03, 1878
WWW: http://www.valleybankmapleton.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 15673
FDIC's unique #: 200
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 04, 2006
Last Structure Change Process Date: October 05, 2006
Last Data Update: October 05, 2006
Data Source Date: April 05, 2012
Location
Address: 401 Main Street, Mapleton, IA 51034
County: Monona
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Sioux City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $72.1 mil
Equity capital: $10.2 mil
Deposits held in domestic offices: $60.9 mil
Return on assets (ROA): 1.40% ($1.0 mil)
Quarterly return on assets: 1.77% ($1.3 mil)
Return on Equity (ROE): 9.51% ($1.0 mil)
Quarterly return on equity: 12.12% ($1.2 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.47% ($1,059.7 mil)
Quarterly Pretax return on assets: 1.85% ($1,333.6 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
15Total employees (full-time equivalent)
$72,086Total assets
$15,318Cash and due from depository institutions
$14,040Interest-bearing balances
$8,854Securities
$300Federal funds sold & reverse repurchase agreements
$41,036Net loans & leases
$307Loan loss allowance
$0Trading account assets
$795Bank premises and fixed assets
$280Other real estate owned
$3,511Goodwill and other intangibles
$72,086Life insurance assets
$1,992All other assets
$61,887Total liabilities and capital
$60,891Total liabilities
$51,460Total deposits
$60,891Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$700Trading liabilities
$0Other borrowed funds
$296Subordinated debt
$10,199All other liabilities
$10,199Total equity capital
$10,199Total bank equity capital
$0Perpetual preferred stock
$650Common stock
$6,500Surplus
$3,049Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$929Long-term assets (5+ years)
$64,230Average Assets, year-to-date
$16,874Average Assets, quarterly
$66,722Volatile liabilities
$69,046Insider loans
$49,605FHLB advances
$65,631Loans and leases held for sale
$800Unused loan commitments
$400Tier 1 (core) risk-based capital
$6,345Tier 2 risk-based capital
$0Total risk weighted assets
$400Total unused commitments
$11,173Restructured Loans and leases
$30Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,943Total interest income
$521Total interest expense
$2,422Net interest income
$30Provision for loan and lease losses
$368Total noninterest income
$79Fiduciary activities
$167Service charges on deposit accounts
$0Trading account gains & fees
$122Additional noninterest income
$1,806Total noninterest expense
$876Salaries and employee benefits
$132Premises and equipment expense
$798Additional noninterest expense
$954Pre-tax net operating income
$26Securities gains (losses)
$44Applicable income taxes
$936Income before extraordinary items
$0Extraordinary gains - net
$936Net income attributable to bank
$0Net charge-offs
$936Cash dividends
-$4Sale, conversion, retirement of capital stock, net
$300Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
0.89%Cost of funding earning assets
4.11%Net interest margin
0.63%Noninterest income to earning assets
3.07%Noninterest expense to earning assets
1.37%Net operating income to assets
1.40%Return on assets (ROA)
1.47%Pretax return on assets
9.51%Return on equity (ROE)
6.46%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-750.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,731Assets per employee
4.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.05%Loss allowance to loans
0.74%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.00%Net loans and leases to deposits
67.39%Net loans and leases to core deposits
68.58%Equity capital to assets
14.15%Core capital (leverage) ratio
9.67%Tier 1 risk-based capital ratio
12.79%Total risk-based capital ratio
Memoranda
$13Average assets
$66,722Average earning assets
$9,845Average equity
$58,861Average 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
$40,024Managed Assets
1Number of Accounts
$40,024Personal trust and agency accounts
$24,597Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$357Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$15,070Non-managed Assets
59Number 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

2 Iowa Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	200	Valley Bank & Trust	401 Main Street, Mapleton, IA 51034	October 03, 1878	Full Service Brick and Mortar
1	3955	Danbury Branch	123 Main Street, Danbury, IA 51019	July 06, 1931	Full Service Brick and Mortar

Valley Bank & Trust in Mapleton, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Valley Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Valley Bank & Trust in Mapleton, Iowa (IA)Overview, Financial Summary, Detailed Financial Reports, Branches

Valley Bank & Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Valley Bank & Trust in Mapleton, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches