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

Valley Bank of Kalispell - Overview

  • General
  • FDIC Certificate #: 1980
    Status: Active
    Federal Reserve ID: 473257
    Bank Holding Company (Regulatory Top Holder): Valley Bancshares, Inc. (RSSDID: 1125900, Location: Kalispell, MT)
    Date Established: July 01, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11420
    FDIC's unique #: 1332
    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: 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: 41 3rd Street West, Kalispell, MT 59901
    County: Flathead
    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): Kalispell, MT (#28060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $106.9 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $95.3 mil
    Return on assets (ROA): 0.18% ($0.2 mil)
    Quarterly return on assets: -0.02% (-$0.0 mil)
    Return on Equity (ROE): 1.63% ($0.2 mil)
    Quarterly return on equity: -0.14% (-$0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.11% ($117.6 mil)
    Quarterly Pretax return on assets: -0.16% (-$171.0 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
  • 30Total employees (full-time equivalent)
  • $106,893Total assets
  • $3,669Cash and due from depository institutions
  • $0Interest-bearing balances
  • $46,965Securities
  • $7,538Federal funds sold & reverse repurchase agreements
  • $44,852Net loans & leases
  • $1,076Loan loss allowance
  • $0Trading account assets
  • $1,263Bank premises and fixed assets
  • $1,165Other real estate owned
  • $0Goodwill and other intangibles
  • $106,893Life insurance assets
  • $1,441All other assets
  • $95,419Total liabilities and capital
  • $95,319Total liabilities
  • $70,471Total deposits
  • $95,319Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $100Subordinated debt
  • $11,474All other liabilities
  • $11,474Total equity capital
  • $11,474Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $7,400Surplus
  • $3,474Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $125Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,471Income earned, not collected on loans
  • $0Earning assets
  • $373Long-term assets (5+ years)
  • $99,355Average Assets, year-to-date
  • $40,199Average Assets, quarterly
  • $102,910Volatile liabilities
  • $106,066Insider loans
  • $57,147FHLB advances
  • $106,459Loans and leases held for sale
  • $431Unused loan commitments
  • $431Tier 1 (core) risk-based capital
  • $10,834Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,824Restructured Loans and leases
  • $265Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,113Total interest income
  • $680Total interest expense
  • $3,433Net interest income
  • $806Provision for loan and lease losses
  • $530Total noninterest income
  • $0Fiduciary activities
  • $125Service charges on deposit accounts
  • $0Trading account gains & fees
  • $405Additional noninterest income
  • $3,094Total noninterest expense
  • $1,841Salaries and employee benefits
  • $178Premises and equipment expense
  • $1,075Additional noninterest expense
  • $63Pre-tax net operating income
  • $50Securities gains (losses)
  • -$68Applicable income taxes
  • $181Income before extraordinary items
  • $0Extraordinary gains - net
  • $181Net income attributable to bank
  • $0Net charge-offs
  • $181Cash dividends
  • $859Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.30%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 1.63%Return on equity (ROE)
  • 1.63%Retained earnings to average equity (YTD only)
  • 1.76%Net charge-offs to loans
  • 93.83%Credit loss provision to net charge-offs
  • 1.01%Efficiency ratio
  • 78,072Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.34%Loss allowance to noncurrent loans
  • 31.00%Noncurrent assets plus other real estate owned to assets
  • 4.34%Noncurrent loans to loans
  • 7.56%Net loans and leases to deposits
  • 47.05%Net loans and leases to core deposits
  • 52.88%Equity capital to assets
  • 10.73%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 18.96%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $102,910Average earning assets
  • $11,114Average equity
  • $95,652Average loans

List of branches

  • 2 Montana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01332Valley Bank Of Kalispell41 3rd Street West, Kalispell, MT 59901July 01, 1911Full Service Brick and Mortar
    1190486Detached Facility323 First Avenue West, Kalispell, MT 59901April 16, 1979Limited Service Facility

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