Valley Bank of Ronan in Ronan, Montana (MT)

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Valley Bank of Ronan routing number info

Table of contents:
Valley Bank of Ronan
GeneralFDIC Certificate #: 24966
Status: Active
Federal Reserve ID: 624956
Bank Holding Company (Regulatory Top Holder): Valley Holding Company (RSSDID: 1141580, Location: Ronan, MT)
Date Established: Febuary 21, 1984
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 10207
FDIC's unique #: 17297
Numeric code: 13
Regulator: FED
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: Febuary 21, 1984
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
LocationAddress: 63659 Us Highway 93 South, Ronan, MT 59864
County: Lake
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
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $65.8 mil
Equity capital: $7.6 mil
Deposits held in domestic offices: $58.0 mil
Return on assets (ROA): 0.77% ($0.5 mil)
Quarterly return on assets: 0.63% ($0.4 mil)
Return on Equity (ROE): 6.68% ($0.5 mil)
Quarterly return on equity: 5.36% ($0.4 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.14% ($750.3 mil)
Quarterly Pretax return on assets: 0.66% ($434.4 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)
Total employees (full-time equivalent)31
Total assets$65,817
Cash and due from depository institutions$18,531
Interest-bearing balances$14,933
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$40,778
Loan loss allowance $765
Trading account assets$0
Bank premises and fixed assets$429
Other real estate owned$133
Goodwill and other intangibles$34
All other assets$3,318
Life insurance assets$65,817
Total liabilities and capital$58,230
Total liabilities$57,957
Total deposits$42,726
Interest-bearing deposits$57,957
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$209
Other borrowed funds $0
Subordinated debt $64
All other liabilities $7,587
Total equity capital$7,587
Total bank equity capital$7,587
Perpetual preferred stock$0
Common stock$400
Undivided profits $2,387
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $776
Income earned, not collected on loans $949
Earning assets $0
Long-term assets (5+ years) $347
Average Assets, year-to-date $58,305
Average Assets, quarterly $21,849
Volatile liabilities $64,886
Insider loans $65,194
FHLB advances $50,041
Loans and leases held for sale $65,485
Unused loan commitments $1,181
Tier 1 (core) risk-based capital $1,181
Tier 2 risk-based capital $7,553
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,792
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,024
Total interest expense $481
Net interest income $2,543
Provision for loan and lease losses $339
Total noninterest income $989
Fiduciary activities $0
Service charges on deposit accounts $395
Trading account gains & fees $0
Additional noninterest income $594
Total noninterest expense $2,453
Salaries and employee benefits $1,508
Premises and equipment expense $245
Additional noninterest expense $700
Pre-tax net operating income $740
Securities gains (losses) $0
Applicable income taxes $243
Income before extraordinary items $497
Extraordinary gains - net $0
Net income attributable to bank $497
Net charge-offs $0
Cash dividends $497
Sale, conversion, retirement of capital stock, net $380
Net operating income $160
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.34%
Cost of funding earning assets 0.85%
Net interest margin 4.49%
Noninterest income to earning assets 1.75%
Noninterest expense to earning assets 4.33%
Net operating income to assets 0.77%
Return on assets (ROA) 0.77%
Pretax return on assets 1.14%
Return on equity (ROE) 6.68%
Retained earnings to average equity (YTD only) 4.53%
Net charge-offs to loans 0.89%
Credit loss provision to net charge-offs 89.21%
Efficiency ratio2.84%
Assets per employee$69,168
Cash dividends to net income (YTD only)2.12%
Condition Ratios (%)
Loss allowance to loans 32.19%
Loss allowance to noncurrent loans 1.84%
Noncurrent assets plus other real estate owned to assets 80.61%
Noncurrent loans to loans 1.64%
Net loans and leases to deposits2.28%
Net loans and leases to core deposits 70.36%
Equity capital to assets 72.96%
Core capital (leverage) ratio 11.53%
Tier 1 risk-based capital ratio 11.53%
Total risk-based capital ratio 15.09%
Average assets$16
Average earning assets$64,886
Average equity $7,435
Average loans $56,614
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5 Montana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
017297Valley Bank Of Ronan63659 Us Highway 93 South, Ronan, MT 59864Febuary 21, 1984Full Service Brick and Mortar
1257765Arlee Branch17925 Highway 93, Arlee, MT 59821November 28, 1994Full Service Brick and Mortar
2257766Hot Springs Branch101 Main Street, Hot Springs, MT 59845April 05, 1993Full Service Brick and Mortar
3282073Thompson Falls Branch1222 Madien Lane, Thompson Falls, MT 59873April 28, 1997Full Service Brick and Mortar
4465758Polson Branch146 S Shore Rd, Polson, MT 59860September 01, 2006Full Service Cyber
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