Valley Bank of Lyons in Lyons, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 28, 1993

  • Valley Bank of Lyons in Lyons, Colorado (CO)
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Valley Bank of Lyons - Overview

  • General
  • FDIC Certificate #: 21032
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Valley Bank & Trust (#25651)
    Federal Reserve ID: 336651
    Date Established: August 28, 1972
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 14534
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 06, 1973
    Last Structure Change Effective Date: May 28, 1993
    Last Structure Change Process Date: June 08, 1993
    Last Data Update: June 08, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 304 Second Avenue, Lyons, CO 80540
    County: Boulder
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Boulder-Longmont, CO (#1125)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Boulder, CO (#14500)
    CBSA Metro Statistical Area: Boulder, CO (#14500)
  • Financial Summary
  • Total assets: $8.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $8Total assets
  • $8,543Cash and due from depository institutions
  • $423Interest-bearing balances
  • $0Securities
  • $1,947Federal funds sold & reverse repurchase agreements
  • $910Net loans & leases
  • $4,858Loan loss allowance
  • $80Trading account assets
  • $0Bank premises and fixed assets
  • $304Other real estate owned
  • $47Goodwill and other intangibles
  • $54Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $8,543Total liabilities
  • $7,976Total deposits
  • $7,934Interest-bearing deposits
  • $6,168Deposits held in domestic offices
  • 7934.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $42Total equity capital
  • $42Total bank equity capital
  • $567Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $300Undivided profits
  • Memoranda
  • $167Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $68Income earned, not collected on loans
  • $31Earning assets
  • $7,715Long-term assets (5+ years)
  • $999Average Assets, year-to-date
  • $7,814Average Assets, quarterly
  • $8,442Volatile liabilities
  • $720Insider loans
  • $25FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,146Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $567Total risk weighted assets
  • $5,278Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $749Total interest expense
  • $245Net interest income
  • $504Provision for loan and lease losses
  • $21Total noninterest income
  • $144Fiduciary activities
  • $0Service charges on deposit accounts
  • $115Trading account gains & fees
  • $0Additional noninterest income
  • $29Total noninterest expense
  • $531Salaries and employee benefits
  • $224Premises and equipment expense
  • $57Additional noninterest expense
  • $250Pre-tax net operating income
  • $96Securities gains (losses)
  • $4Applicable income taxes
  • $36Income before extraordinary items
  • $64Extraordinary gains - net
  • $0Net income attributable to bank
  • $64Net charge-offs
  • $9Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.79%Cost of funding earning assets
  • 3.53%Net interest margin
  • 7.26%Noninterest income to earning assets
  • 2.07%Noninterest expense to earning assets
  • 7.65%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 1.28%Return on equity (ROE)
  • 11.84%Retained earnings to average equity (YTD only)
  • 8.14%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 233.33%Efficiency ratio
  • 81,944Assets per employee
  • 1.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.25%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 117.65%Noncurrent assets plus other real estate owned to assets
  • 1.35%Noncurrent loans to loans
  • 1.38%Net loans and leases to deposits
  • 61.23%Net loans and leases to core deposits
  • 67.34%Equity capital to assets
  • 6.64%Core capital (leverage) ratio
  • 6.91%Tier 1 risk-based capital ratio
  • 10.74%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $7,814Average earning assets
  • $541Average equity
  • $6,941Average loans

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