Vitals
  • Total Assets
    34.6M 11.5 %
  • Total Deposits
    25.9M 14.1 %
  • Total Net Loans
    25.5M 9.1 %
  • Net Income
    301000.0000 12.7 %
  • Book Value
    2.5M 1.5 %
  • Book Value x2
    5.0M 1.5 %
  • Book Value x3
    7.5M 1.5 %
ROAA

.915

ROAE

12.188

Efficiency Ratio

54.892

Net Interest Margin

2.973

Balance Sheet Highlights
Financial Highlights Valley State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 34,550 100,083
Total Net Loans 25,535 68,763
Total Deposits 25,926 81,365
Total Equity 2,491 10,111
Profitability
Net Income 301 1,242
Return on Average Assets .915 1.132
Return on Average Equity 12.188 11.091
Net Interest Margin 2.973 3.746
Efficiency Ratio 54.892 62.678
Noninterest Income/Revenue 7.13 9.494
Balance Sheet Ratios
Loan-to-Deposit 98.492 81.399
Securities/Assets .179 .345
Total Equity/Total Assets .072 .101
Tangible Equity/Tangible Assets .072 .067
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 2,501 9,678
Tier 2 Capital 190 783
Total Capital 2,691 10,454
Total Risk Weighted Assets 22,951 73,919
Leverage Ratio 7.28 10.123
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.9 14.374
Total Capital Ratio 11.72 15.423

Timeline for Valley State Bank

Fidelity Bank & Trust

Valley State Bank was acquired by Fidelity Bank & Trust 17 years

View Profile Feb 12 2007

Fidelity Company

Fidelity Company became a new parent organization for Valley State Bank.

View Profile Aug 20 1996

Valley State Bank

Valley State Bank was established 27 years ago and is currently headquartered in Guttenberg, IA.

Aug 19 1996
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Fidelity Bank & Trust Buyer 777,650 Pooling of Interests Discontinued 2/12/2007
Relationships Role Relationship Start Relationship End
Fidelity Company Parent 8/20/1996 2/11/2007
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