Tri-Valley Bank in Randolph, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Tri-Valley Bank - Overview

  • General
  • FDIC Certificate #: 12417
    Status: Active
    Federal Reserve ID: 404943
    Date Established: January 01, 1917
    WWW: http://www.tri-valleycenters.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7901
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 01, 2007
    Last Structure Change Process Date: May 03, 2007
    Last Data Update: May 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 Main Street, Randolph, IA 51649
    County: Fremont
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $71.6 mil
    Equity capital: $6.5 mil
    Deposits held in domestic offices: $57.5 mil
    Return on assets (ROA): 0.76% ($0.5 mil)
    Quarterly return on assets: 0.87% ($0.6 mil)
    Return on Equity (ROE): 8.05% ($0.6 mil)
    Quarterly return on equity: 9.23% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.17% ($837.4 mil)
    Quarterly Pretax return on assets: 1.26% ($901.8 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
  • 19Total employees (full-time equivalent)
  • $71,570Total assets
  • $2,513Cash and due from depository institutions
  • $1,159Interest-bearing balances
  • $32,859Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $33,951Net loans & leases
  • $378Loan loss allowance
  • $0Trading account assets
  • $548Bank premises and fixed assets
  • $380Other real estate owned
  • $0Goodwill and other intangibles
  • $71,570Life insurance assets
  • $1,319All other assets
  • $65,068Total liabilities and capital
  • $57,469Total liabilities
  • $46,062Total deposits
  • $57,469Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 4090.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,091Trading liabilities
  • $0Other borrowed funds
  • $418Subordinated debt
  • $6,502All other liabilities
  • $6,502Total equity capital
  • $6,502Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $880Surplus
  • $5,502Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $886Income earned, not collected on loans
  • $0Earning assets
  • $680Long-term assets (5+ years)
  • $67,969Average Assets, year-to-date
  • $31,412Average Assets, quarterly
  • $66,984Volatile liabilities
  • $69,119Insider loans
  • $41,034FHLB advances
  • $68,277Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,377Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,348Restructured Loans and leases
  • $940Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,013Total interest income
  • $589Total interest expense
  • $2,424Net interest income
  • $305Provision for loan and lease losses
  • $62Total noninterest income
  • $0Fiduciary activities
  • $61Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1Additional noninterest income
  • $2,084Total noninterest expense
  • $1,073Salaries and employee benefits
  • $155Premises and equipment expense
  • $856Additional noninterest expense
  • $97Pre-tax net operating income
  • $685Securities gains (losses)
  • $276Applicable income taxes
  • $506Income before extraordinary items
  • $0Extraordinary gains - net
  • $506Net income attributable to bank
  • $0Net charge-offs
  • $506Cash dividends
  • $305Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 8.05%Return on equity (ROE)
  • 8.05%Retained earnings to average equity (YTD only)
  • 0.88%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 1.32%Efficiency ratio
  • 83,829Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 42.66%Noncurrent assets plus other real estate owned to assets
  • 1.77%Noncurrent loans to loans
  • 2.58%Net loans and leases to deposits
  • 59.08%Net loans and leases to core deposits
  • 69.36%Equity capital to assets
  • 9.08%Core capital (leverage) ratio
  • 9.34%Tier 1 risk-based capital ratio
  • 15.54%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $66,984Average earning assets
  • $6,285Average equity
  • $63,530Average loans

List of branches

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07901Tri-Valley Bank104 Main Street, Randolph, IA 51649January 01, 1917Full Service Brick and Mortar
    1438833Essex Banking Center523 Iowa Street, Essex, IA 51638October 03, 2003Full Service Brick and Mortar

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