Vitals
  • Total Assets
    11.9M
  • Total Deposits
    10.3M
  • Total Net Loans
    6.8M
  • Net Income
  • Book Value
    1.2M
  • Book Value x2
    2.4M
  • Book Value x3
    3.6M
ROAA

ROAE

Efficiency Ratio

143.077

Net Interest Margin

3.406

Balance Sheet Highlights
Financial Highlights Cedar Valley State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 11,906 82,408
Total Net Loans 6,815 51,803
Total Deposits 10,290 67,041
Total Equity 1,206 8,582
Profitability
Net Income — 890
Return on Average Assets — 1.275
Return on Average Equity — 12.303
Net Interest Margin 3.406 3.9
Efficiency Ratio 143.077 59.436
Noninterest Income/Revenue 7.813 10.524
Balance Sheet Ratios
Loan-to-Deposit 66.229 75.377
Securities/Assets .081 .456
Total Equity/Total Assets .101 .104
Tangible Equity/Tangible Assets .032 .048
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 1,193 7,869
Tier 2 Capital 95 633
Total Capital 1,288 8,500
Total Risk Weighted Assets 7,609 56,644
Leverage Ratio 9.85 9.83
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.68 14.791
Total Capital Ratio 16.93 15.905

Timeline for Cedar Valley State Bank

Valley State Bank

Cedar Valley State Bank was acquired by Valley State Bank 20 years

View Profile Oct 02 2003

American Bancorporation

American Bancorporation became a new parent organization for Cedar Valley State Bank.

View Profile Apr 01 2001

Cedar Valley Holding Company

Cedar Valley Holding Company became a new parent organization for Cedar Valley State Bank.

View Profile Jun 30 1984

Cedar Valley State Bank

Cedar Valley State Bank was established 122 years ago and is currently headquartered in St. Ansgar, IA.

Jan 01 1902
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Valley State Bank Buyer 223,393 Acquisition Discontinued 10/2/2003
Relationships Role Relationship Start Relationship End
Cedar Valley Holding Company Parent 4/30/2002 10/1/2003
Cedar Valley Holding Company Parent 10/7/1993 4/29/2002
American Bancorporation Parent 4/1/2001 4/29/2002
Cedar Valley Holding Company Parent 6/30/1984 10/6/1993
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