Bank of the Valley in Bellwood, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of the Valley - Overview

  • General
  • FDIC Certificate #: 25291
    Status: Active
    Federal Reserve ID: 478195
    Bank Holding Company (Regulatory Top Holder): Bellwood Community Holding Company (RSSDID: 1983070, Location: Bellwood, NE)
    Date Established: May 11, 1984
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 17494
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 11, 1984
    Last Structure Change Effective Date: August 15, 2007
    Last Structure Change Process Date: August 30, 2007
    Last Data Update: August 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 404 State Street, Bellwood, NE 68624
    County: Butler
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $101.4 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $82.3 mil
    Return on assets (ROA): 1.14% ($1.2 mil)
    Quarterly return on assets: 1.11% ($1.1 mil)
    Return on Equity (ROE): 13.71% ($1.2 mil)
    Quarterly return on equity: 13.28% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.64% ($1,663.2 mil)
    Quarterly Pretax return on assets: 1.58% ($1,602.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 21Total employees (full-time equivalent)
  • $101,415Total assets
  • $9,055Cash and due from depository institutions
  • $2,702Interest-bearing balances
  • $12,335Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $75,981Net loans & leases
  • $1,072Loan loss allowance
  • $0Trading account assets
  • $1,260Bank premises and fixed assets
  • $0Other real estate owned
  • $86Goodwill and other intangibles
  • $101,415Life insurance assets
  • $2,698All other assets
  • $92,846Total liabilities and capital
  • $82,299Total liabilities
  • $68,863Total deposits
  • $82,299Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,800Trading liabilities
  • $0Other borrowed funds
  • $747Subordinated debt
  • $8,569All other liabilities
  • $8,569Total equity capital
  • $8,569Total bank equity capital
  • $0Perpetual preferred stock
  • $224Common stock
  • $6,436Surplus
  • $1,909Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3Income earned, not collected on loans
  • $0Earning assets
  • $1,630Long-term assets (5+ years)
  • $91,018Average Assets, year-to-date
  • $18,209Average Assets, quarterly
  • $94,548Volatile liabilities
  • $101,917Insider loans
  • $77,020FHLB advances
  • $101,195Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,405Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,842Restructured Loans and leases
  • $1,337Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,712Total interest income
  • $1,062Total interest expense
  • $3,650Net interest income
  • $164Provision for loan and lease losses
  • $273Total noninterest income
  • $0Fiduciary activities
  • $137Service charges on deposit accounts
  • $0Trading account gains & fees
  • $136Additional noninterest income
  • $2,259Total noninterest expense
  • $1,242Salaries and employee benefits
  • $283Premises and equipment expense
  • $734Additional noninterest expense
  • $1,500Pre-tax net operating income
  • $55Securities gains (losses)
  • $475Applicable income taxes
  • $1,080Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,080Net income attributable to bank
  • $0Net charge-offs
  • $1,080Cash dividends
  • -$17Sale, conversion, retirement of capital stock, net
  • $116Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.38%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.58%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 13.71%Return on equity (ROE)
  • 12.24%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -964.71%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 57,583Assets per employee
  • 4.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.74%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 35733.33%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 92.32%Net loans and leases to core deposits
  • 102.94%Equity capital to assets
  • 8.45%Core capital (leverage) ratio
  • 8.31%Tier 1 risk-based capital ratio
  • 10.91%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $94,548Average earning assets
  • $7,877Average equity
  • $87,514Average loans

List of branches

  • 3 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017494Bank Of The Valley404 State Street, Bellwood, NE 68624May 11, 1984Full Service Brick and Mortar
    1257984David City Branch1855 North Fourth Street, David City, NE 68632October 18, 1996Full Service Brick and Mortar
    210430Platte Center Bank Branch103 4th Street, Platte Center, NE 68653October 30, 1944Full Service Brick and Mortar

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