North Valley Bank in Zanesville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

North Valley Bank - Overview

  • General
  • FDIC Certificate #: 2284
    Status: Active
    Federal Reserve ID: 783910
    Bank Holding Company (Regulatory Top Holder): North Valley Bancshares, Inc. (RSSDID: 3264193, Location: Zanesville, OH)
    Date Established: November 04, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15598
    FDIC's unique #: 1510
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    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: 2775 Maysville Pike, Zanesville, OH 43701
    County: Muskingum
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Zanesville, OH (#49780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.8 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $125.7 mil
    Return on assets (ROA): 0.34% ($0.5 mil)
    Quarterly return on assets: 0.70% ($1.1 mil)
    Return on Equity (ROE): 3.76% ($0.6 mil)
    Quarterly return on equity: 7.38% ($1.1 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.44% ($672.4 mil)
    Quarterly Pretax return on assets: 0.99% ($1,512.9 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
  • 48Total employees (full-time equivalent)
  • $152,820Total assets
  • $10,950Cash and due from depository institutions
  • $8,104Interest-bearing balances
  • $27,981Securities
  • $7,078Federal funds sold & reverse repurchase agreements
  • $99,676Net loans & leases
  • $2,029Loan loss allowance
  • $0Trading account assets
  • $3,670Bank premises and fixed assets
  • $348Other real estate owned
  • $12Goodwill and other intangibles
  • $152,821Life insurance assets
  • $3,105All other assets
  • $138,260Total liabilities and capital
  • $125,740Total liabilities
  • $108,979Total deposits
  • $125,740Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,182Trading liabilities
  • $0Other borrowed funds
  • $338Subordinated debt
  • $14,561All other liabilities
  • $14,561Total equity capital
  • $14,561Total bank equity capital
  • $0Perpetual preferred stock
  • $554Common stock
  • $7,915Surplus
  • $6,092Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,374Income earned, not collected on loans
  • $0Earning assets
  • $537Long-term assets (5+ years)
  • $142,839Average Assets, year-to-date
  • $25,977Average Assets, quarterly
  • $151,063Volatile liabilities
  • $153,744Insider loans
  • $98,422FHLB advances
  • $150,666Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,316Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,479Restructured Loans and leases
  • $2,085Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,679Total interest income
  • $1,863Total interest expense
  • $4,816Net interest income
  • $304Provision for loan and lease losses
  • $529Total noninterest income
  • $0Fiduciary activities
  • $336Service charges on deposit accounts
  • $0Trading account gains & fees
  • $193Additional noninterest income
  • $4,577Total noninterest expense
  • $2,288Salaries and employee benefits
  • $434Premises and equipment expense
  • $1,855Additional noninterest expense
  • $464Pre-tax net operating income
  • $208Securities gains (losses)
  • $154Applicable income taxes
  • $518Income before extraordinary items
  • $0Extraordinary gains - net
  • $518Net income attributable to bank
  • $0Net charge-offs
  • $518Cash dividends
  • $386Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.43%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 3.76%Return on equity (ROE)
  • 3.76%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 78.76%Credit loss provision to net charge-offs
  • 1.99%Efficiency ratio
  • 85,575Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 85.47%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 79.27%Net loans and leases to core deposits
  • 81.39%Equity capital to assets
  • 9.53%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 13.53%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $151,063Average earning assets
  • $13,786Average equity
  • $140,541Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01510North Valley Bank2775 Maysville Pike, Zanesville, OH 43701November 04, 1904Full Service Brick and Mortar
    14440Morgan County Office10 Third Street, Malta, OH 43758November 19, 1872Full Service Brick and Mortar
    2360285Corning Office117 N Valley Street, Corning, OH 43730June 05, 2000Full Service Brick and Mortar

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