Valley Green Bank in Philadelphia, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Valley Green Bank in Philadelphia, Pennsylvania (PA)
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Valley Green Bank - Overview

  • General
  • FDIC Certificate #: 58084
    Status: Active
    Federal Reserve ID: 3391606
    Date Established: November 17, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 439387
    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: November 17, 2005
    Last Structure Change Effective Date: October 26, 2007
    Last Structure Change Process Date: October 26, 2007
    Last Data Update: October 26, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 7226 Germantown Avenue, Philadelphia, PA 19119
    County: Philadelphia
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • Financial Summary
  • Total assets: $223.3 mil
    Equity capital: $22.3 mil
    Deposits held in domestic offices: $200.3 mil
    Return on assets (ROA): 0.87% ($1.9 mil)
    Quarterly return on assets: 1.09% ($2.4 mil)
    Return on Equity (ROE): 9.39% ($2.1 mil)
    Quarterly return on equity: 10.87% ($2.4 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.87% ($1,942.4 mil)
    Quarterly Pretax return on assets: 1.09% ($2,433.6 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
  • 38Total employees (full-time equivalent)
  • $223,263Total assets
  • $2,635Cash and due from depository institutions
  • $142Interest-bearing balances
  • $18,005Securities
  • $3,308Federal funds sold & reverse repurchase agreements
  • $194,627Net loans & leases
  • $1,802Loan loss allowance
  • $0Trading account assets
  • $1,967Bank premises and fixed assets
  • $407Other real estate owned
  • $0Goodwill and other intangibles
  • $223,263Life insurance assets
  • $2,314All other assets
  • $200,964Total liabilities and capital
  • $200,263Total liabilities
  • $173,519Total deposits
  • $200,263Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $701Subordinated debt
  • $22,299All other liabilities
  • $22,299Total equity capital
  • $22,299Total bank equity capital
  • $5,000Perpetual preferred stock
  • $1,976Common stock
  • $17,859Surplus
  • $-2,536Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $210Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,266Income earned, not collected on loans
  • $0Earning assets
  • $653Long-term assets (5+ years)
  • $216,082Average Assets, year-to-date
  • $34,582Average Assets, quarterly
  • $196,333Volatile liabilities
  • $220,222Insider loans
  • $182,953FHLB advances
  • $221,149Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,326Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,553Restructured Loans and leases
  • $3,877Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,919Total interest income
  • $1,663Total interest expense
  • $9,256Net interest income
  • $913Provision for loan and lease losses
  • $391Total noninterest income
  • $0Fiduciary activities
  • $277Service charges on deposit accounts
  • $0Trading account gains & fees
  • $114Additional noninterest income
  • $7,017Total noninterest expense
  • $4,045Salaries and employee benefits
  • $740Premises and equipment expense
  • $2,232Additional noninterest expense
  • $1,717Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,717Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,717Net income attributable to bank
  • $0Net charge-offs
  • $1,717Cash dividends
  • $741Sale, conversion, retirement of capital stock, net
  • $20Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.91%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 9.39%Return on equity (ROE)
  • 9.28%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 123.21%Credit loss provision to net charge-offs
  • 3.55%Efficiency ratio
  • 72,738Assets per employee
  • 5.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.16%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 142.34%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 97.19%Net loans and leases to core deposits
  • 128.32%Equity capital to assets
  • 9.99%Core capital (leverage) ratio
  • 10.10%Tier 1 risk-based capital ratio
  • 12.20%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $196,333Average earning assets
  • $18,280Average equity
  • $188,620Average loans

List of branches

  • 4 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439387Valley Green Bank7226 Germantown Avenue, Philadelphia, PA 19119November 17, 2005Full Service Brick and Mortar
    1477925Chestnut Hill Branch23 W Highland Avenue, Philadelphia, PA 19118January 02, 2008Full Service Brick and Mortar
    2521545Delaware Valley Loan Production Bran100 Matsonford Road Ste 312, Radnor, PA 19087January 01, 2011Limited Service Administrative
    3521546Center City Loan Production Branch2000 Market St Ste 700, Philadelphia, PA 19103Febuary 01, 2011Limited Service Administrative

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