Valley Bank and Trust Co. in Scottsbluff, Nebraska (NE), CO
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Valley Bank and Trust Co. in Scottsbluff, Nebraska (NE), CO
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Valley Bank and Trust Co. routing number info

Valley Bank and Trust Co. - Overview

  • General
  • FDIC Certificate #: 34186
    Status: Active
    Federal Reserve ID: 2472508
    Bank Holding Company (Regulatory Top Holder): First Express Of Nebraska, Inc. (RSSDID: 1250398, Location: Gering, NE)
    Date Established: June 17, 1996
    WWW: http://www.valleybankne.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: Yes)
    OTS Docket #: 13906
    FDIC's unique #: 56844
    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: June 17, 1996
    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: 1701 First Avenue, Scottsbluff, NE 69361
    County: Scotts Bluff
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Island
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Scottsbluff, NE (#42420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $323.0 mil
    Equity capital: $36.3 mil
    Deposits held in domestic offices: $280.2 mil
    Return on assets (ROA): 0.93% ($3.0 mil)
    Quarterly return on assets: 0.97% ($3.1 mil)
    Return on Equity (ROE): 8.65% ($3.1 mil)
    Quarterly return on equity: 8.62% ($3.1 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.31% ($4,231.6 mil)
    Quarterly Pretax return on assets: 1.24% ($4,005.5 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
  • 107Total employees (full-time equivalent)
  • $323,021Total assets
  • $13,237Cash and due from depository institutions
  • $2,871Interest-bearing balances
  • $43,747Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $243,416Net loans & leases
  • $3,627Loan loss allowance
  • $0Trading account assets
  • $7,915Bank premises and fixed assets
  • $157Other real estate owned
  • $6,057Goodwill and other intangibles
  • $323,021Life insurance assets
  • $8,492All other assets
  • $286,730Total liabilities and capital
  • $280,201Total liabilities
  • $228,012Total deposits
  • $280,201Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,147Trading liabilities
  • $0Other borrowed funds
  • $1,382Subordinated debt
  • $36,291All other liabilities
  • $36,291Total equity capital
  • $36,291Total bank equity capital
  • $0Perpetual preferred stock
  • $2,590Common stock
  • $17,650Surplus
  • $16,051Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $112Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,156Income earned, not collected on loans
  • $0Earning assets
  • $2,447Long-term assets (5+ years)
  • $290,034Average Assets, year-to-date
  • $57,771Average Assets, quarterly
  • $324,889Volatile liabilities
  • $320,970Insider loans
  • $260,501FHLB advances
  • $323,141Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,992Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $39,206Restructured Loans and leases
  • $4,316Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,552Total interest income
  • $2,891Total interest expense
  • $12,661Net interest income
  • $1,030Provision for loan and lease losses
  • $3,562Total noninterest income
  • $70Fiduciary activities
  • $1,052Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,440Additional noninterest income
  • $10,959Total noninterest expense
  • $6,182Salaries and employee benefits
  • $865Premises and equipment expense
  • $3,912Additional noninterest expense
  • $4,234Pre-tax net operating income
  • $32Securities gains (losses)
  • $1,234Applicable income taxes
  • $3,032Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,032Net income attributable to bank
  • $0Net charge-offs
  • $3,032Cash dividends
  • $897Sale, conversion, retirement of capital stock, net
  • $1,140Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.30%Net interest margin
  • 1.21%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 8.65%Return on equity (ROE)
  • 5.40%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 114.83%Credit loss provision to net charge-offs
  • 5.87%Efficiency ratio
  • 67,552Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.60%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 114.92%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 86.87%Net loans and leases to core deposits
  • 94.44%Equity capital to assets
  • 11.23%Core capital (leverage) ratio
  • 10.21%Tier 1 risk-based capital ratio
  • 12.66%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $324,889Average earning assets
  • $35,048Average equity
  • $294,114Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $14,719Managed Assets
  • 1Number of Accounts
  • $11,126Personal trust and agency accounts
  • $11,126Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 50Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,593Other retirement accounts
  • $79Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,514Fiduciary accounts held in foreign offices

List of branches

  • 3 Colorado Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    11361960Western States Bank, A Branch Of Valley Bank And Trust Co., Scottsbluff, Ne1298 North College Avenue, Fort Collins, CO 80524September 17, 2001Full Service Brick and Mortar
    12419385East Mulberry Street Branch1520 East Mulberry Street, Fort Collins, CO 80524July 17, 2003Full Service Brick and Mortar
    14463199Western States Bank, A Branch Of Valley Bank And Trust Co., Scottsbluff, Ne808 West Eisenhower Road, Loveland, CO 80537April 27, 2007Full Service Brick and Mortar
  • 8 Nebraska Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    056844Valley Bank And Trust Co.1701 First Avenue, Scottsbluff, NE 69361June 17, 1996Full Service Brick and Mortar
    1394501425 10th Street Branch1425 10th Street, Gering, NE 69341July 25, 1988Full Service Brick and Mortar
    2261532Gering Branch1940 10th Street, Gering, NE 69341September 30, 1991Full Service Brick and Mortar
    33631Bayard BranchMain Street, Bayard, NE 69334January 01, 1910Full Service Brick and Mortar
    457662Ogallala Branch605 East 1st Street, Ogallala, NE 69153April 28, 1997Full Service Brick and Mortar
    57789Wauneta Branch202 North Tecumseh, Wauneta, NE 69045May 22, 1890Full Service Brick and Mortar
    6226732Central Avenue Branch225 Central Avenue, Grant, NE 69140September 21, 1992Full Service Brick and Mortar
    13444093Valley Bank And Trust Co. - Scottsbl502 South Broadway, Scottsbluff, NE 69363August 17, 2005Full Service Brick and Mortar

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