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

Valley Bank of Ronan - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 31Total employees (full-time equivalent)
  • $65,817Total assets
  • $18,531Cash and due from depository institutions
  • $14,933Interest-bearing balances
  • $2,594Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,778Net loans & leases
  • $765Loan loss allowance
  • $0Trading account assets
  • $429Bank premises and fixed assets
  • $133Other real estate owned
  • $34Goodwill and other intangibles
  • $65,817Life insurance assets
  • $3,318All other assets
  • $58,230Total liabilities and capital
  • $57,957Total liabilities
  • $42,726Total deposits
  • $57,957Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $209Trading liabilities
  • $0Other borrowed funds
  • $64Subordinated debt
  • $7,587All other liabilities
  • $7,587Total equity capital
  • $7,587Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $4,800Surplus
  • $2,387Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $776Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $949Income earned, not collected on loans
  • $0Earning assets
  • $347Long-term assets (5+ years)
  • $58,305Average Assets, year-to-date
  • $21,849Average Assets, quarterly
  • $64,886Volatile liabilities
  • $65,194Insider loans
  • $50,041FHLB advances
  • $65,485Loans and leases held for sale
  • $1,181Unused loan commitments
  • $1,181Tier 1 (core) risk-based capital
  • $7,553Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,792Restructured Loans and leases
  • $35Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,024Total interest income
  • $481Total interest expense
  • $2,543Net interest income
  • $339Provision for loan and lease losses
  • $989Total noninterest income
  • $0Fiduciary activities
  • $395Service charges on deposit accounts
  • $0Trading account gains & fees
  • $594Additional noninterest income
  • $2,453Total noninterest expense
  • $1,508Salaries and employee benefits
  • $245Premises and equipment expense
  • $700Additional noninterest expense
  • $740Pre-tax net operating income
  • $0Securities gains (losses)
  • $243Applicable income taxes
  • $497Income before extraordinary items
  • $0Extraordinary gains - net
  • $497Net income attributable to bank
  • $0Net charge-offs
  • $497Cash dividends
  • $380Sale, conversion, retirement of capital stock, net
  • $160Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.49%Net interest margin
  • 1.75%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 6.68%Return on equity (ROE)
  • 4.53%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 89.21%Credit loss provision to net charge-offs
  • 2.84%Efficiency ratio
  • 69,168Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.19%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 80.61%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 2.28%Net loans and leases to deposits
  • 70.36%Net loans and leases to core deposits
  • 72.96%Equity capital to assets
  • 11.53%Core capital (leverage) ratio
  • 11.53%Tier 1 risk-based capital ratio
  • 15.09%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $64,886Average earning assets
  • $7,435Average equity
  • $56,614Average loans

List of branches

  • 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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