Meramec Valley Bank in Valley Park, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Meramec Valley Bank in Valley Park, Missouri (MO)
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Meramec Valley Bank - Overview

  • General
  • FDIC Certificate #: 19200
    Status: Active
    Federal Reserve ID: 215354
    Bank Holding Company (Regulatory Top Holder): Valley Bancshares, Inc. (RSSDID: 1097137, Location: Valley Park, MO)
    Date Established: January 01, 1918
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10542
    FDIC's unique #: 13019
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 06, 1964
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 35 Marshall Road, Valley Park, MO 63088
    County: St. Louis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $97.5 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $80.7 mil
    Return on assets (ROA): -0.66% (-$0.6 mil)
    Quarterly return on assets: -0.43% (-$0.4 mil)
    Return on Equity (ROE): -8.00% (-$0.7 mil)
    Quarterly return on equity: -4.93% (-$0.4 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.66% (-$643.5 mil)
    Quarterly Pretax return on assets: -0.43% (-$419.2 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
  • 26Total employees (full-time equivalent)
  • $97,493Total assets
  • $8,255Cash and due from depository institutions
  • $7,178Interest-bearing balances
  • $12,902Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $61,419Net loans & leases
  • $1,484Loan loss allowance
  • $0Trading account assets
  • $3,316Bank premises and fixed assets
  • $9,562Other real estate owned
  • $0Goodwill and other intangibles
  • $97,494Life insurance assets
  • $2,039All other assets
  • $88,925Total liabilities and capital
  • $80,699Total liabilities
  • $66,356Total deposits
  • $80,699Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,000Trading liabilities
  • $0Other borrowed funds
  • $226Subordinated debt
  • $8,569All other liabilities
  • $8,569Total equity capital
  • $8,569Total bank equity capital
  • $0Perpetual preferred stock
  • $705Common stock
  • $5,535Surplus
  • $2,329Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $514Income earned, not collected on loans
  • $0Earning assets
  • $305Long-term assets (5+ years)
  • $81,499Average Assets, year-to-date
  • $7,372Average Assets, quarterly
  • $107,138Volatile liabilities
  • $99,187Insider loans
  • $67,840FHLB advances
  • $99,015Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,487Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,348Restructured Loans and leases
  • $3,002Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,526Total interest income
  • $949Total interest expense
  • $3,577Net interest income
  • $0Provision for loan and lease losses
  • -$367Total noninterest income
  • $0Fiduciary activities
  • $199Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$566Additional noninterest income
  • $3,920Total noninterest expense
  • $2,120Salaries and employee benefits
  • $380Premises and equipment expense
  • $1,420Additional noninterest expense
  • -$710Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$710Income before extraordinary items
  • $0Extraordinary gains - net
  • -$710Net income attributable to bank
  • $0Net charge-offs
  • -$710Cash dividends
  • $498Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.98%Net interest margin
  • -0.41%Noninterest income to earning assets
  • 4.36%Noninterest expense to earning assets
  • -0.66%Net operating income to assets
  • -0.66%Return on assets (ROA)
  • -0.66%Pretax return on assets
  • -8.00%Return on equity (ROE)
  • -8.00%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -1.43%Efficiency ratio
  • 120,654Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 288.72%Noncurrent assets plus other real estate owned to assets
  • 10.34%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 76.11%Net loans and leases to core deposits
  • 77.29%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 8.57%Tier 1 risk-based capital ratio
  • 12.51%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $107,138Average earning assets
  • $8,879Average equity
  • $89,841Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013019Meramec Valley Bank35 Marshall Road, Valley Park, MO 63088January 01, 1918Full Service Brick and Mortar
    4247603Ellisville Branch199 Clarkson Road, Ellisville, MO 63011December 09, 1996Full Service Brick and Mortar

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