Mountain Valley Bank in Walden, Colorado (CO)

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Mountain Valley Bank routing number info

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Mountain Valley Bank
GeneralFDIC Certificate #: 17411
Status: Active
Federal Reserve ID: 475653
Bank Holding Company (Regulatory Top Holder): Mountain Valley Bancshares, Inc. (RSSDID: 3729946, Location: Walden, CO)
Date Established: Febuary 21, 1955
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 11407
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 21, 1955
Last Structure Change Effective Date: April 18, 2011
Last Structure Change Process Date: April 18, 2011
Last Data Update: April 18, 2011
Data Source Date: April 05, 2012
LocationAddress: 461 Main, Walden, CO 80480
County: Jackson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Denver
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Financial SummaryTotal assets: $146.2 mil
Equity capital: $14.5 mil
Deposits held in domestic offices: $128.7 mil
Return on assets (ROA): 0.12% ($0.2 mil)
Quarterly return on assets: 0.31% ($0.5 mil)
Return on Equity (ROE): 1.21% ($0.2 mil)
Quarterly return on equity: 3.10% ($0.4 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.11% ($160.8 mil)
Quarterly Pretax return on assets: 0.22% ($321.6 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)
Total employees (full-time equivalent)42
Total assets$146,197
Cash and due from depository institutions$15,436
Interest-bearing balances$12,550
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$89,188
Loan loss allowance $1,916
Trading account assets$0
Bank premises and fixed assets$3,078
Other real estate owned$5,284
Goodwill and other intangibles$252
All other assets$3,672
Life insurance assets$146,197
Total liabilities and capital$131,741
Total liabilities$128,726
Total deposits$108,069
Interest-bearing deposits$128,726
Deposits held in domestic offices$80
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $1,015
All other liabilities $14,456
Total equity capital$14,456
Total bank equity capital$14,456
Perpetual preferred stock$0
Common stock$921
Undivided profits $3,420
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,482
Earning assets $0
Long-term assets (5+ years) $706
Average Assets, year-to-date $131,025
Average Assets, quarterly $35,455
Volatile liabilities $143,944
Insider loans $144,131
FHLB advances $97,844
Loans and leases held for sale $145,760
Unused loan commitments $1,221
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $14,108
Total risk weighted assets $0
Total unused commitments $1,221
Restructured Loans and leases $8,601
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,174
Total interest expense $890
Net interest income $6,284
Provision for loan and lease losses $1,060
Total noninterest income $604
Fiduciary activities $0
Service charges on deposit accounts $205
Trading account gains & fees $0
Additional noninterest income $399
Total noninterest expense $5,891
Salaries and employee benefits $2,715
Premises and equipment expense $916
Additional noninterest expense $2,260
Pre-tax net operating income -$63
Securities gains (losses) $226
Applicable income taxes -$10
Income before extraordinary items $173
Extraordinary gains - net $0
Net income attributable to bank $173
Net charge-offs $0
Cash dividends $173
Sale, conversion, retirement of capital stock, net $968
Net operating income $121
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.47%
Cost of funding earning assets 0.68%
Net interest margin 4.80%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 4.50%
Net operating income to assets -0.04%
Return on assets (ROA) 0.12%
Pretax return on assets 0.11%
Return on equity (ROE) 1.21%
Retained earnings to average equity (YTD only) 0.36%
Net charge-offs to loans 0.95%
Credit loss provision to net charge-offs 109.50%
Efficiency ratio1.03%
Assets per employee$85,264
Cash dividends to net income (YTD only)3.48%
Condition Ratios (%)
Loss allowance to loans 69.94%
Loss allowance to noncurrent loans 2.10%
Noncurrent assets plus other real estate owned to assets 55.03%
Noncurrent loans to loans 6.00%
Net loans and leases to deposits3.82%
Net loans and leases to core deposits 69.29%
Equity capital to assets 92.08%
Core capital (leverage) ratio 9.89%
Tier 1 risk-based capital ratio 9.68%
Total risk-based capital ratio 14.42%
Average assets$16
Average earning assets$143,944
Average equity $14,264
Average loans $131,036
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4 Colorado Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011407Mountain Valley Bank461 Main, Walden, CO 80480Febuary 21, 1955Full Service Brick and Mortar
1431560Hayden Branch101 N 6th Street, Hayden, CO 81639August 12, 2004Full Service Brick and Mortar
2431989Mountain Valley Bank - Steamboat Spr2201 Curve Plaza, Steamboat Springs, CO 80487August 12, 2004Full Service Brick and Mortar
3431990Mountain Valley Bank - Meeker Branch400 Main Street, Meeker, CO 81641July 02, 2004Full Service Brick and Mortar
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