Mountain Valley Bank in Walden, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Mountain Valley Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 42Total employees (full-time equivalent)
  • $146,197Total assets
  • $15,436Cash and due from depository institutions
  • $12,550Interest-bearing balances
  • $29,287Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,188Net loans & leases
  • $1,916Loan loss allowance
  • $0Trading account assets
  • $3,078Bank premises and fixed assets
  • $5,284Other real estate owned
  • $252Goodwill and other intangibles
  • $146,197Life insurance assets
  • $3,672All other assets
  • $131,741Total liabilities and capital
  • $128,726Total liabilities
  • $108,069Total deposits
  • $128,726Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $1,015Subordinated debt
  • $14,456All other liabilities
  • $14,456Total equity capital
  • $14,456Total bank equity capital
  • $0Perpetual preferred stock
  • $921Common stock
  • $10,115Surplus
  • $3,420Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,482Income earned, not collected on loans
  • $0Earning assets
  • $706Long-term assets (5+ years)
  • $131,025Average Assets, year-to-date
  • $35,455Average Assets, quarterly
  • $143,944Volatile liabilities
  • $144,131Insider loans
  • $97,844FHLB advances
  • $145,760Loans and leases held for sale
  • $1,221Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,108Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,221Total unused commitments
  • $8,601Restructured Loans and leases
  • $1,156Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,174Total interest income
  • $890Total interest expense
  • $6,284Net interest income
  • $1,060Provision for loan and lease losses
  • $604Total noninterest income
  • $0Fiduciary activities
  • $205Service charges on deposit accounts
  • $0Trading account gains & fees
  • $399Additional noninterest income
  • $5,891Total noninterest expense
  • $2,715Salaries and employee benefits
  • $916Premises and equipment expense
  • $2,260Additional noninterest expense
  • -$63Pre-tax net operating income
  • $226Securities gains (losses)
  • -$10Applicable income taxes
  • $173Income before extraordinary items
  • $0Extraordinary gains - net
  • $173Net income attributable to bank
  • $0Net charge-offs
  • $173Cash dividends
  • $968Sale, conversion, retirement of capital stock, net
  • $121Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 0.68%Cost of funding earning assets
  • 4.80%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 4.50%Noninterest expense to earning assets
  • -0.04%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 1.21%Return on equity (ROE)
  • 0.36%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 109.50%Credit loss provision to net charge-offs
  • 1.03%Efficiency ratio
  • 85,264Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.94%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 55.03%Noncurrent assets plus other real estate owned to assets
  • 6.00%Noncurrent loans to loans
  • 3.82%Net loans and leases to deposits
  • 69.29%Net loans and leases to core deposits
  • 92.08%Equity capital to assets
  • 9.89%Core capital (leverage) ratio
  • 9.68%Tier 1 risk-based capital ratio
  • 14.42%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $143,944Average earning assets
  • $14,264Average equity
  • $131,036Average loans

List of branches

  • 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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