The Valley State Bank in Syracuse, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Valley State Bank - Overview

  • General
  • FDIC Certificate #: 14345
    Status: Active
    Federal Reserve ID: 420653
    Bank Holding Company (Regulatory Top Holder): Valley Bancorp, Inc. (RSSDID: 1057186, Location: Syracuse, KS)
    Date Established: July 27, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8963
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 110 West Avenue B, Syracuse, KS 67878
    County: Hamilton
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Hays
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $76.5 mil
    Equity capital: $7.3 mil
    Deposits held in domestic offices: $66.7 mil
    Return on assets (ROA): 1.12% ($0.9 mil)
    Quarterly return on assets: 1.06% ($0.8 mil)
    Return on Equity (ROE): 11.30% ($0.8 mil)
    Quarterly return on equity: 10.54% ($0.7 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.17% ($895.1 mil)
    Quarterly Pretax return on assets: 1.11% ($849.2 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
  • 12Total employees (full-time equivalent)
  • $76,503Total assets
  • $6,456Cash and due from depository institutions
  • $5,107Interest-bearing balances
  • $27,146Securities
  • $492Federal funds sold & reverse repurchase agreements
  • $39,282Net loans & leases
  • $945Loan loss allowance
  • $0Trading account assets
  • $742Bank premises and fixed assets
  • $212Other real estate owned
  • $0Goodwill and other intangibles
  • $76,503Life insurance assets
  • $2,173All other assets
  • $69,213Total liabilities and capital
  • $66,725Total liabilities
  • $56,849Total deposits
  • $66,725Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,984Trading liabilities
  • $0Other borrowed funds
  • $504Subordinated debt
  • $7,290All other liabilities
  • $7,290Total equity capital
  • $7,290Total bank equity capital
  • $0Perpetual preferred stock
  • $140Common stock
  • $1,260Surplus
  • $5,890Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $634Income earned, not collected on loans
  • $0Earning assets
  • $834Long-term assets (5+ years)
  • $72,027Average Assets, year-to-date
  • $28,458Average Assets, quarterly
  • $71,078Volatile liabilities
  • $72,436Insider loans
  • $47,289FHLB advances
  • $72,873Loans and leases held for sale
  • $884Unused loan commitments
  • $884Tier 1 (core) risk-based capital
  • $6,544Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,929Restructured Loans and leases
  • $430Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,225Total interest income
  • $711Total interest expense
  • $2,514Net interest income
  • $62Provision for loan and lease losses
  • $157Total noninterest income
  • $0Fiduciary activities
  • $127Service charges on deposit accounts
  • $0Trading account gains & fees
  • $30Additional noninterest income
  • $1,952Total noninterest expense
  • $1,057Salaries and employee benefits
  • $174Premises and equipment expense
  • $721Additional noninterest expense
  • $657Pre-tax net operating income
  • $178Securities gains (losses)
  • $37Applicable income taxes
  • $798Income before extraordinary items
  • $0Extraordinary gains - net
  • $798Net income attributable to bank
  • $0Net charge-offs
  • $798Cash dividends
  • -$8Sale, conversion, retirement of capital stock, net
  • $366Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 11.30%Return on equity (ROE)
  • 6.12%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -775.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 73,081Assets per employee
  • 6.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.86%Loss allowance to loans
  • 2.35%Loss allowance to noncurrent loans
  • 149.05%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 58.87%Net loans and leases to core deposits
  • 61.24%Equity capital to assets
  • 9.53%Core capital (leverage) ratio
  • 8.98%Tier 1 risk-based capital ratio
  • 13.84%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $71,078Average earning assets
  • $7,064Average equity
  • $66,787Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08963The Valley State Bank110 West Avenue B, Syracuse, KS 67878July 27, 1905Full Service Brick and Mortar

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