Vitals
  • Total Assets
    249.1M 19.0 %
  • Total Deposits
    211.1M 20.4 %
  • Total Net Loans
    137.3M -0.9 %
  • Net Income
    92000.0000 -89.8 %
  • Book Value
    31.2M 20.0 %
  • Book Value x2
    62.4M 20.0 %
  • Book Value x3
    93.6M 20.0 %
ROAA

.146

ROAE

1.14

Efficiency Ratio

73.407

Net Interest Margin

3.669

Balance Sheet Highlights
Financial Highlights Valley Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 249,084 109,894
Total Net Loans 137,304 74,951
Total Deposits 211,099 92,324
Total Equity 31,196 10,918
Profitability
Net Income 92 161
Return on Average Assets .146 .611
Return on Average Equity 1.14 5.702
Net Interest Margin 3.669 4.023
Efficiency Ratio 73.407 73.078
Noninterest Income/Revenue 16.622 9.464
Balance Sheet Ratios
Loan-to-Deposit 65.043 78.377
Securities/Assets .293 .235
Total Equity/Total Assets .125 .099
Tangible Equity/Tangible Assets .076 .045
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 18,561 10,256
Tier 2 Capital 2,095 997
Total Capital 20,656 11,240
Total Risk Weighted Assets 167,443 82,722
Leverage Ratio 7.74 9.657
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.08 13.501
Total Capital Ratio 12.34 14.655

Timeline for Valley Bank

Frandsen Bank & Trust

Valley Bank was acquired by Frandsen Bank & Trust 14 years

View Profile May 15 2010

Valley Bank Minnesota

Acquisition: Valley Bank acquired a new subsidiary, Valley Bank Minnesota, 14 years

View Profile Jul 25 2009

Rural American Bank - Hector/Fairfax

Acquisition: Valley Bank acquired a new subsidiary, Rural American Bank - Hector/Fairfax, 17 years

View Profile Sep 11 2006

Citizens State Bank Of Waterville

Acquisition: Valley Bank acquired a new subsidiary, Citizens State Bank Of Waterville, 17 years

View Profile Sep 11 2006

Farmers Bank

Acquisition: Valley Bank acquired a new subsidiary, Farmers Bank, 25 years

View Profile Jan 16 1999

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Complete timeline for Valley Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Frandsen Bank & Trust Buyer 1,586,077 Pooling of Interests Discontinued 5/15/2010
Valley Bank Minnesota Seller 42,305 Pooling of Interests Discontinued 7/25/2009
Rural American Bank - Hector/Fairfax Seller 56,963 Pooling of Interests Discontinued 9/11/2006
Citizens State Bank Of Waterville Seller 22,415 Pooling of Interests Discontinued 9/11/2006
Farmers Bank Seller 16,326 Pooling of Interests Discontinued 1/16/1999
Otisco State Bank Seller 16,085 Discontinued 7/16/1988
Relationships Role Relationship Start Relationship End
Frandsen Financial Corporation Parent 7/31/1998 5/14/2010
Taylor Bancshares, Inc. Parent 3/9/1993 7/30/1998
Taylor Bancshares, Inc. Parent 11/11/1985 3/8/1993
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