Spring Valley Bank in Wyoming, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Spring Valley Bank - Overview

  • General
  • FDIC Certificate #: 34386
    Status: Active
    Federal Reserve ID: 2607412
    Bank Holding Company (Regulatory Top Holder): Sv Bancorp, Inc. (RSSDID: 3464340, Location: Wyoming, OH)
    Date Established: September 02, 1997
    WWW: http://www.nowebsite.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 57149
    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: September 02, 1997
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1206 Springfield Pike, Wyoming, OH 45215
    County: Hamilton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $67.5 mil
    Equity capital: $27.1 mil
    Deposits held in domestic offices: $40.4 mil
    Return on assets (ROA): 3.09% ($2.1 mil)
    Quarterly return on assets: 3.78% ($2.6 mil)
    Return on Equity (ROE): 7.93% ($2.1 mil)
    Quarterly return on equity: 9.44% ($2.5 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 3.09% ($2,085.8 mil)
    Quarterly Pretax return on assets: 3.78% ($2,551.5 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
  • 10Total employees (full-time equivalent)
  • $67,501Total assets
  • $3,489Cash and due from depository institutions
  • $3,352Interest-bearing balances
  • $5,037Securities
  • $8,425Federal funds sold & reverse repurchase agreements
  • $47,579Net loans & leases
  • $775Loan loss allowance
  • $0Trading account assets
  • $115Bank premises and fixed assets
  • $1,819Other real estate owned
  • $0Goodwill and other intangibles
  • $67,501Life insurance assets
  • $1,037All other assets
  • $40,449Total liabilities and capital
  • $40,362Total liabilities
  • $37,627Total deposits
  • $40,362Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $87Subordinated debt
  • $27,052All other liabilities
  • $27,052Total equity capital
  • $27,052Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $3,342Surplus
  • $21,710Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,070Income earned, not collected on loans
  • $1,290Earning assets
  • $636Long-term assets (5+ years)
  • $64,393Average Assets, year-to-date
  • $9,709Average Assets, quarterly
  • $67,135Volatile liabilities
  • $67,030Insider loans
  • $53,536FHLB advances
  • $67,243Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,052Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,238Restructured Loans and leases
  • $184Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,083Total interest income
  • $338Total interest expense
  • $3,745Net interest income
  • $566Provision for loan and lease losses
  • $83Total noninterest income
  • $0Fiduciary activities
  • $17Service charges on deposit accounts
  • $0Trading account gains & fees
  • $66Additional noninterest income
  • $1,186Total noninterest expense
  • $816Salaries and employee benefits
  • $72Premises and equipment expense
  • $298Additional noninterest expense
  • $2,076Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,076Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,076Net income attributable to bank
  • $0Net charge-offs
  • $2,076Cash dividends
  • $381Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.45%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 5.92%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 1.87%Noninterest expense to earning assets
  • 3.09%Net operating income to assets
  • 3.09%Return on assets (ROA)
  • 3.09%Pretax return on assets
  • 7.93%Return on equity (ROE)
  • 5.63%Retained earnings to average equity (YTD only)
  • 0.76%Net charge-offs to loans
  • 148.56%Credit loss provision to net charge-offs
  • 6.93%Efficiency ratio
  • 30,982Assets per employee
  • 6.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.90%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 12.77%Noncurrent assets plus other real estate owned to assets
  • 11.69%Noncurrent loans to loans
  • 12.55%Net loans and leases to deposits
  • 117.88%Net loans and leases to core deposits
  • 118.66%Equity capital to assets
  • 40.08%Core capital (leverage) ratio
  • 40.23%Tier 1 risk-based capital ratio
  • 50.53%Total risk-based capital ratio
  • Memoranda
  • $52Average assets
  • $67,135Average earning assets
  • $26,194Average equity
  • $63,303Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057149Spring Valley Bank1206 Springfield Pike, Wyoming, OH 45215September 02, 1997Full Service Brick and Mortar

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