Valley Bank in Moline, Illinois (IL), IA, AZ
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Valley Bank in Moline, Illinois (IL), IA, AZ
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Valley Bank - Overview

  • General
  • FDIC Certificate #: 10450
    Status: Active
    Federal Reserve ID: 2085177
    Bank Holding Company (Regulatory Top Holder): River Valley Bancorp, Inc. (RSSDID: 2114938, Location: Davenport, IA)
    Date Established: March 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 18 (Domestic: 18, Interstate: Yes)
    OTS Docket #: 15587
    FDIC's unique #: 6683
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 25, 2008
    Last Structure Change Process Date: August 11, 2008
    Last Data Update: August 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3455 Avenue Of The Cities, Moline, IL 61265
    County: Rock Island
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Davenport-Moline-Rock Island, IA-IL (#1960)
    Core Based Statistical Area (CBSA): Davenport-Moline-Rock Island, IA-IL (#19340)
    CBSA Metro Statistical Area: Davenport-Moline-Rock Island, IA-IL (#19340)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $629.4 mil
    Equity capital: $57.4 mil
    Deposits held in domestic offices: $477.0 mil
    Return on assets (ROA): 0.87% ($5.5 mil)
    Quarterly return on assets: 0.14% ($0.9 mil)
    Return on Equity (ROE): 9.57% ($5.5 mil)
    Quarterly return on equity: 1.47% ($0.8 mil)
    Net income: $5.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.03% ($6,482.4 mil)
    Quarterly Pretax return on assets: 0.17% ($1,069.9 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
  • 173Total employees (full-time equivalent)
  • $629,360Total assets
  • $10,392Cash and due from depository institutions
  • $1,915Interest-bearing balances
  • $139,585Securities
  • $24,060Federal funds sold & reverse repurchase agreements
  • $391,781Net loans & leases
  • $4,764Loan loss allowance
  • $0Trading account assets
  • $23,102Bank premises and fixed assets
  • $13,862Other real estate owned
  • $242Goodwill and other intangibles
  • $629,360Life insurance assets
  • $26,336All other assets
  • $571,959Total liabilities and capital
  • $476,974Total liabilities
  • $410,760Total deposits
  • $476,974Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 21563.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $68,700Trading liabilities
  • $0Other borrowed funds
  • $4,722Subordinated debt
  • $57,401All other liabilities
  • $57,401Total equity capital
  • $57,401Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $34,452Surplus
  • $22,199Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $29,749Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,876Income earned, not collected on loans
  • $0Earning assets
  • $3,430Long-term assets (5+ years)
  • $557,341Average Assets, year-to-date
  • $170,551Average Assets, quarterly
  • $626,971Volatile liabilities
  • $626,762Insider loans
  • $447,933FHLB advances
  • $630,984Loans and leases held for sale
  • $8,459Unused loan commitments
  • $8,459Tier 1 (core) risk-based capital
  • $56,508Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $46,856Restructured Loans and leases
  • $10,241Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,823Total interest income
  • $8,047Total interest expense
  • $19,776Net interest income
  • $828Provision for loan and lease losses
  • $8,246Total noninterest income
  • $0Fiduciary activities
  • $1,272Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,974Additional noninterest income
  • $22,300Total noninterest expense
  • $11,484Salaries and employee benefits
  • $3,003Premises and equipment expense
  • $7,813Additional noninterest expense
  • $4,894Pre-tax net operating income
  • $1,589Securities gains (losses)
  • $1,000Applicable income taxes
  • $5,483Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,483Net income attributable to bank
  • $0Net charge-offs
  • $5,483Cash dividends
  • $6,649Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 3.58%Net interest margin
  • 1.49%Noninterest income to earning assets
  • 4.04%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 9.57%Return on equity (ROE)
  • 9.57%Retained earnings to average equity (YTD only)
  • 1.64%Net charge-offs to loans
  • 12.45%Credit loss provision to net charge-offs
  • 0.86%Efficiency ratio
  • 77,343Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 69.28%Noncurrent assets plus other real estate owned to assets
  • 3.30%Noncurrent loans to loans
  • 1.73%Net loans and leases to deposits
  • 82.14%Net loans and leases to core deposits
  • 84.88%Equity capital to assets
  • 9.12%Core capital (leverage) ratio
  • 8.96%Tier 1 risk-based capital ratio
  • 12.62%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $626,971Average earning assets
  • $57,292Average equity
  • $552,028Average loans

Bank Assets Sold and Securitized (December 31, 2007)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $20,7471-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $284,214Commercial and industrial loans

List of branches

  • 1 Arizona Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    17432356Scottsdale Loan Production Office15849 North 71st #100, Scottsdale, AZ 85254September 14, 2004Limited Service Loan Production
  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06683Valley Bank3455 Avenue Of The Cities, Moline, IL 61265March 01, 1911Full Service Brick and Mortar
  • 16 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    248135Eldridge Branch500 East Leclaire Road, Eldridge, IA 52748August 27, 1993Full Service Brick and Mortar
    3289929Bettendorf Hy-Vee Branch2900 Devils Glen Road, Bettendorf, IA 52722August 14, 1995Full Service Retail
    6361997Davenport West Kimberly Branch427 West Kimberly Road, Davenport, IA 52806August 27, 2001Full Service Brick and Mortar
    7362312Clinton Hy-Vee Branch901 South 4th Street, Clinton, IA 52732October 08, 2001Full Service Retail
    8364012East Kimberly Branch2020 East Kimberly Road, Davenport, IA 52807June 01, 2002Full Service Brick and Mortar
    10365602Ankeny Branch210 Ne Delaware, Ankeny, IA 50021November 21, 2002Full Service Brick and Mortar
    11419636Utica Hyvee Branch4064 E 53rd Street, Ste 100, Davenport, IA 52807Febuary 04, 2003Full Service Retail
    14424674Clive Branch12257 University Avenue, Clive, IA 50325November 06, 2003Full Service Brick and Mortar
    15424675Locust Street Branch2351 West Locust Street, Suite 100, Davenport, IA 52804November 11, 2003Full Service Brick and Mortar
    18433019Spruce Hills Drive Branch2102 Spruce Hills Drive, Bettendorf, IA 52722October 25, 2004Full Service Brick and Mortar
    20442258Ames Branch1103 Buckeye Avenue, Ames, IA 50010July 18, 2005Full Service Brick and Mortar
    28454557Ames Lpo2701 Stange Road, Suite 120, Ames, IA 50010August 15, 2006Limited Service Loan Production
    34480025Horizon Bank Branch301 First Ave East, Oskaloosa, IA 52577April 25, 2008Full Service Brick and Mortar
    37480917Knoxville Branch509 A Avenue West, Oskaloosa, IA 52577April 25, 2008Full Service Brick and Mortar
    38480918Pleasant Hill Branch1290 Copper Creek Drive, Pleasant Hill, IA 50327April 25, 2008Full Service Brick and Mortar
    39492330Altoona Branch160 Adventureland Dr, Ste H, Altoona, IA 50009August 18, 2008Full Service Retail

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