The Twin Valley Bank in West Alexandria, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Twin Valley Bank - Overview

  • General
  • FDIC Certificate #: 13802
    Status: Active
    Federal Reserve ID: 381026
    Date Established: January 01, 1888
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8629
    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: Febuary 05, 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: 2 East Dayton Street, West Alexandria, OH 45381
    County: Preble
    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
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $49.4 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $40.7 mil
    Return on assets (ROA): 0.68% ($0.3 mil)
    Quarterly return on assets: 0.52% ($0.3 mil)
    Return on Equity (ROE): 5.56% ($0.3 mil)
    Quarterly return on equity: 4.29% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.95% ($469.2 mil)
    Quarterly Pretax return on assets: 0.71% ($350.7 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
  • 15Total employees (full-time equivalent)
  • $49,390Total assets
  • $2,135Cash and due from depository institutions
  • $261Interest-bearing balances
  • $10,710Securities
  • $2,200Federal funds sold & reverse repurchase agreements
  • $31,681Net loans & leases
  • $322Loan loss allowance
  • $0Trading account assets
  • $481Bank premises and fixed assets
  • $223Other real estate owned
  • $0Goodwill and other intangibles
  • $49,390Life insurance assets
  • $1,960All other assets
  • $43,429Total liabilities and capital
  • $40,745Total liabilities
  • $35,630Total deposits
  • $40,745Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $184Subordinated debt
  • $5,961All other liabilities
  • $5,961Total equity capital
  • $5,961Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $400Surplus
  • $5,161Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $945Income earned, not collected on loans
  • $0Earning assets
  • $226Long-term assets (5+ years)
  • $44,852Average Assets, year-to-date
  • $14,135Average Assets, quarterly
  • $48,275Volatile liabilities
  • $49,694Insider loans
  • $33,839FHLB advances
  • $50,350Loans and leases held for sale
  • $1,441Unused loan commitments
  • $1,144Tier 1 (core) risk-based capital
  • $6,002Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $297Total unused commitments
  • $2,388Restructured Loans and leases
  • $773Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,343Total interest income
  • $408Total interest expense
  • $1,935Net interest income
  • $160Provision for loan and lease losses
  • $263Total noninterest income
  • $0Fiduciary activities
  • $126Service charges on deposit accounts
  • $0Trading account gains & fees
  • $137Additional noninterest income
  • $1,579Total noninterest expense
  • $743Salaries and employee benefits
  • $156Premises and equipment expense
  • $680Additional noninterest expense
  • $459Pre-tax net operating income
  • $0Securities gains (losses)
  • $131Applicable income taxes
  • $328Income before extraordinary items
  • $0Extraordinary gains - net
  • $328Net income attributable to bank
  • $0Net charge-offs
  • $328Cash dividends
  • $105Sale, conversion, retirement of capital stock, net
  • $132Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.33%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.59%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 5.56%Return on equity (ROE)
  • 3.32%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 152.38%Credit loss provision to net charge-offs
  • 5.90%Efficiency ratio
  • 71,838Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.24%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 34.07%Noncurrent assets plus other real estate owned to assets
  • 2.36%Noncurrent loans to loans
  • 2.95%Net loans and leases to deposits
  • 77.75%Net loans and leases to core deposits
  • 78.24%Equity capital to assets
  • 12.07%Core capital (leverage) ratio
  • 11.92%Tier 1 risk-based capital ratio
  • 17.74%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $48,275Average earning assets
  • $5,898Average equity
  • $43,927Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08629The Twin Valley Bank2 East Dayton Street, West Alexandria, OH 45381January 01, 1888Full Service Brick and Mortar
    1230279Gratis Branch14 West Franklin Street, Gratis, OH 45330December 09, 1963Full Service Brick and Mortar

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