Valley Bank of Helena in Helena, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches


Valley Bank of Helena - Overview

  • General
  • FDIC Certificate #: 22747
    Status: Active
    Federal Reserve ID: 648055
    Bank Holding Company (Regulatory Top Holder): Glacier Bancorp, Inc. (RSSDID: 2003975, Location: Kalispell, MT)
    Date Established: November 13, 1978
    WWW: http://www.valleybankhelena.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 11015
    FDIC's unique #: 15881
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: November 13, 1978
    Last Structure Change Effective Date: April 19, 2011
    Last Structure Change Process Date: May 11, 2011
    Last Data Update: May 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3030 North Montana Avenue, Helena, MT 59601
    County: Lewis And Clark
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Billings
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Helena, MT (#25740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Withdraws from FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $462.1 mil
    Equity capital: $34.8 mil
    Deposits held in domestic offices: $304.4 mil
    Return on assets (ROA): 1.69% ($7.8 mil)
    Quarterly return on assets: 1.64% ($7.6 mil)
    Return on Equity (ROE): 21.14% ($7.4 mil)
    Quarterly return on equity: 21.10% ($7.4 mil)
    Net income: $7.1 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 2.35% ($10,858.5 mil)
    Quarterly Pretax return on assets: 2.30% ($10,627.5 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
  • 89Total employees (full-time equivalent)
  • $462,064Total assets
  • $7,309Cash and due from depository institutions
  • $66Interest-bearing balances
  • $241,704Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $191,179Net loans & leases
  • $4,216Loan loss allowance
  • $0Trading account assets
  • $11,468Bank premises and fixed assets
  • $853Other real estate owned
  • $1,770Goodwill and other intangibles
  • $462,064Life insurance assets
  • $7,781All other assets
  • $427,284Total liabilities and capital
  • $304,417Total liabilities
  • $226,499Total deposits
  • $304,417Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 21422.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $98,482Trading liabilities
  • $0Other borrowed funds
  • $2,963Subordinated debt
  • $34,780All other liabilities
  • $34,780Total equity capital
  • $34,780Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $20,562Surplus
  • $13,778Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,917Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $729Income earned, not collected on loans
  • $164Earning assets
  • $2,134Long-term assets (5+ years)
  • $432,949Average Assets, year-to-date
  • $179,673Average Assets, quarterly
  • $420,351Volatile liabilities
  • $449,283Insider loans
  • $243,445FHLB advances
  • $447,644Loans and leases held for sale
  • $422Unused loan commitments
  • $422Tier 1 (core) risk-based capital
  • $31,059Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,403Restructured Loans and leases
  • $1,722Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,910Total interest income
  • $2,375Total interest expense
  • $14,535Net interest income
  • $0Provision for loan and lease losses
  • $4,847Total noninterest income
  • $0Fiduciary activities
  • $1,881Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,966Additional noninterest income
  • $9,520Total noninterest expense
  • $4,921Salaries and employee benefits
  • $819Premises and equipment expense
  • $3,780Additional noninterest expense
  • $9,862Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,778Applicable income taxes
  • $7,084Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,084Net income attributable to bank
  • $0Net charge-offs
  • $7,084Cash dividends
  • $435Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.30%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 2.35%Pretax return on assets
  • 21.14%Return on equity (ROE)
  • 3.24%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 22.67%Efficiency ratio
  • 49,071Assets per employee
  • 5.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.70%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 578.33%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 62.80%Net loans and leases to core deposits
  • 72.25%Equity capital to assets
  • 7.53%Core capital (leverage) ratio
  • 6.94%Tier 1 risk-based capital ratio
  • 12.76%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $420,351Average earning assets
  • $33,503Average equity
  • $393,006Average loans

List of branches

  • 7 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015881Valley Bank Of Helena3030 North Montana Avenue, Helena, MT 59601November 13, 1978Full Service Brick and Mortar
    1255210Eastside Branch1900 9th Avenue, Helena, MT 59601April 19, 1995Full Service Brick and Mortar
    2255211Westside Branch306 Euclid Avenue, Helena, MT 59601January 06, 1998Full Service Retail
    343841Downtown Branch321 Fuller Avenue, Helena, MT 59601January 01, 1895Full Service Brick and Mortar
    4266434East Helena Branch101 South Lane Avenue, East Helena, MT 59635January 01, 1911Full Service Brick and Mortar
    5429764Real Estate H.O.m.e. Branch3171 N Montana Avenue, Helena, MT 59602April 17, 2004Full Service Brick and Mortar
    6510752Www.Valleybankhelena.com Branch3030 North Montana Avenue, Helena, MT 59601October 21, 2009Full Service Cyber

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