Vitals
  • Total Assets
    29.0M 1.5 %
  • Total Deposits
    26.3M 1.1 %
  • Total Net Loans
    23.2M -6.5 %
  • Net Income
    130000.0000 -6.5 %
  • Book Value
    2.7M 5.3 %
  • Book Value x2
    5.4M 5.3 %
  • Book Value x3
    8.1M 5.3 %
ROAA

.569

ROAE

6.622

Efficiency Ratio

74.164

Net Interest Margin

3.9

Balance Sheet Highlights
Financial Highlights Valley Bank & Trust All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 29,022 140,378
Total Net Loans 23,209 86,562
Total Deposits 26,269 115,449
Total Equity 2,685 15,535
Profitability
Net Income 130 1,202
Return on Average Assets .569 1.18
Return on Average Equity 6.622 10.942
Net Interest Margin 3.9 3.865
Efficiency Ratio 74.164 60.207
Noninterest Income/Revenue 9.659 11.587
Balance Sheet Ratios
Loan-to-Deposit 88.351 71.5
Securities/Assets .009 .242
Total Equity/Total Assets .093 .111
Tangible Equity/Tangible Assets .093 .107
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 2,685 13,849
Tier 2 Capital 257 1,118
Total Capital 2,942 14,962
Total Risk Weighted Assets 20,382 98,577
Leverage Ratio 8.97 10.211
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 13.17 15.271
Total Capital Ratio 14.43 16.374

Timeline for Valley Bank & Trust

State Savings Bank

Valley Bank & Trust was acquired by State Savings Bank 12 years

View Profile Oct 01 2011

Valley Bank & Trust

Valley Bank & Trust was established 39 years ago and is currently headquartered in Cherokee, IA.

Jan 25 1985

The Steele State Bank

Acquisition: Valley Bank & Trust acquired a new subsidiary, The Steele State Bank, 39 years

View Profile Jan 25 1985

D & H Investments Corp.

D & H Investments Corp. became a new parent organization for Valley Bank & Trust.

View Profile Jan 25 1985
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
State Savings Bank Buyer 113,217 Acquisition Discontinued 10/1/2011
The Steele State Bank Seller 21,891 Failure 1/25/1985
Relationships Role Relationship Start Relationship End
D & H Investments Corp. Parent 1/25/1985 9/30/2011
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