Vitals
  • Total Assets
    121.8M -1.4 %
  • Total Deposits
    101.8M -1.8 %
  • Total Net Loans
    48.6M 0.5 %
  • Net Income
    815000.0000 -6.6 %
  • Book Value
    19.8M 1.8 %
  • Book Value x2
    39.7M 1.8 %
  • Book Value x3
    59.5M 1.8 %
ROAA

.651

ROAE

4.109

Efficiency Ratio

63.393

Net Interest Margin

2.873

Balance Sheet Highlights
Financial Highlights Valley State Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 121,785 266,812
Total Net Loans 48,625 157,006
Total Deposits 101,821 227,200
Total Equity 19,831 30,855
Profitability
Net Income 815 2,603
Return on Average Assets .651 .91
Return on Average Equity 4.109 7.525
Net Interest Margin 2.873 3.872
Efficiency Ratio 63.393 69.238
Noninterest Income/Revenue 5.146 15.218
Balance Sheet Ratios
Loan-to-Deposit 47.755 65.031
Securities/Assets .528 .23
Total Equity/Total Assets .163 .116
Tangible Equity/Tangible Assets .163 .114
Capital Adequacy
Tier 1 Common Capital 19,914 30,655
Tier 1 Capital 19,914 30,655
Tier 2 Capital 485 1,864
Total Capital 20,399 32,526
Total Risk Weighted Assets 38,271 184,216
Leverage Ratio 15.84 11.829
Common Equity Tier 1 Capital Ratio 52.03 18.757
Tier 1 Capital Ratio 52.03 18.762
Total Capital Ratio 53.3 19.824

Timeline for Valley State Bank

Valley Bancshares, Inc.

Valley Bancshares, Inc. became a new parent organization for Valley State Bank.

View Profile Jul 31 1990

Valley State Bank

Valley State Bank was established 39 years ago and is currently headquartered in Russellville, AL.

Apr 01 1985
Relationships Role Relationship Start Relationship End
Valley Bancshares, Inc. Parent 7/31/1990
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