Valley Bank & Trust in Brighton, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Valley Bank & Trust in Brighton, Colorado (CO)
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Valley Bank & Trust - Overview

  • General
  • FDIC Certificate #: 25651
    Status: Active
    Federal Reserve ID: 806154
    Bank Holding Company (Regulatory Top Holder): Valley Bancorp, Inc. (RSSDID: 1056189, Location: Brighton, CO)
    Date Established: January 03, 1978
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 11931
    FDIC's unique #: 17556
    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 13, 1984
    Last Structure Change Effective Date: November 20, 2007
    Last Structure Change Process Date: November 29, 2007
    Last Data Update: November 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 4900 E. Bromley Lane, Brighton, CO 80601
    County: Adams
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Denver, CO (#2080)
    Consolidated Metropolitan Statistical Area (CMSA): Denver-Boulder-Greeley, CO (#34)
    Combined Statistical Area (CSA): Denver-Aurora-Boulder, CO (#216)
    Core Based Statistical Area (CBSA): Denver-Aurora-Broomfield, CO (#19740)
    CBSA Metro Statistical Area: Denver-Aurora-Broomfield, CO (#19740)
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $245.2 mil
    Equity capital: $23.0 mil
    Deposits held in domestic offices: $220.9 mil
    Return on assets (ROA): 0.21% ($0.5 mil)
    Quarterly return on assets: 0.54% ($1.3 mil)
    Return on Equity (ROE): 2.28% ($0.5 mil)
    Quarterly return on equity: 5.65% ($1.3 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.21% ($514.8 mil)
    Quarterly Pretax return on assets: 0.54% ($1,323.9 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
  • 97Total employees (full-time equivalent)
  • $245,159Total assets
  • $13,325Cash and due from depository institutions
  • $4,538Interest-bearing balances
  • $76,498Securities
  • $7,100Federal funds sold & reverse repurchase agreements
  • $123,487Net loans & leases
  • $3,349Loan loss allowance
  • $0Trading account assets
  • $9,069Bank premises and fixed assets
  • $7,448Other real estate owned
  • $0Goodwill and other intangibles
  • $245,159Life insurance assets
  • $8,232All other assets
  • $222,180Total liabilities and capital
  • $220,920Total liabilities
  • $152,177Total deposits
  • $220,920Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,260Subordinated debt
  • $22,979All other liabilities
  • $22,979Total equity capital
  • $22,979Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $9,727Surplus
  • $11,252Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,870Income earned, not collected on loans
  • $0Earning assets
  • $1,137Long-term assets (5+ years)
  • $211,623Average Assets, year-to-date
  • $72,264Average Assets, quarterly
  • $237,163Volatile liabilities
  • $241,443Insider loans
  • $169,398FHLB advances
  • $244,130Loans and leases held for sale
  • $5,923Unused loan commitments
  • $5,923Tier 1 (core) risk-based capital
  • $22,821Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,191Restructured Loans and leases
  • $300Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,089Total interest income
  • $1,000Total interest expense
  • $10,089Net interest income
  • $1,323Provision for loan and lease losses
  • $2,271Total noninterest income
  • $0Fiduciary activities
  • $1,085Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,186Additional noninterest income
  • $11,630Total noninterest expense
  • $5,454Salaries and employee benefits
  • $2,587Premises and equipment expense
  • $3,589Additional noninterest expense
  • -$593Pre-tax net operating income
  • $1,102Securities gains (losses)
  • $0Applicable income taxes
  • $509Income before extraordinary items
  • $0Extraordinary gains - net
  • $509Net income attributable to bank
  • $0Net charge-offs
  • $509Cash dividends
  • $189Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.56%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 5.06%Net interest margin
  • 1.14%Noninterest income to earning assets
  • 5.83%Noninterest expense to earning assets
  • -0.25%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 2.28%Return on equity (ROE)
  • 2.28%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 700.00%Credit loss provision to net charge-offs
  • 3.86%Efficiency ratio
  • 94,094Assets per employee
  • 2.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.64%Loss allowance to noncurrent loans
  • 28.21%Noncurrent assets plus other real estate owned to assets
  • 7.88%Noncurrent loans to loans
  • 9.36%Net loans and leases to deposits
  • 55.90%Net loans and leases to core deposits
  • 56.93%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 9.35%Tier 1 risk-based capital ratio
  • 13.47%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $237,163Average earning assets
  • $22,340Average equity
  • $199,542Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $31,063Managed Assets
  • 1Number of Accounts
  • $12,671Personal trust and agency accounts
  • $4,692Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,616Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,296Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $67Non-managed Assets
  • 221Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $18,392Other retirement accounts
  • $16,498Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,893Fiduciary accounts held in foreign offices

List of branches

  • 10 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017556Valley Bank & Trust4900 E. Bromley Lane, Brighton, CO 80601January 03, 1978Full Service Brick and Mortar
    115345Carbon Valley Branch418 8th Street, Dacono, CO 80514August 25, 1975Full Service Brick and Mortar
    214534Lyons Branch304 Second Avenue, Lyons, CO 80540August 28, 1972Full Service Brick and Mortar
    314138East Branch2380 East Bridge Street, Brighton, CO 80601September 13, 1971Full Service Brick and Mortar
    42511596171 North Washington Branch6171 North Washington, Denver, CO 80216December 22, 1993Full Service Brick and Mortar
    6258100Westminster Branch11145 Sheridan Boulevard, Westminster, CO 80020March 19, 1997Full Service Brick and Mortar
    7258101Commerce City Branch6990 East 72nd Avenue, Commerce City, CO 80022October 28, 1996Full Service Brick and Mortar
    10258104Strasburg Branch56641 Colfax Avenue, Strasburg, CO 80136April 06, 1999Full Service Brick and Mortar
    11359963Hudson Branch580 Dahlia Street, Hudson, CO 80642April 27, 2001Full Service Brick and Mortar
    1443073330 North 4th Branch30 North 4th Ave, Brighton, CO 80601October 14, 2003Full Service Brick and Mortar

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