Valley State Bank in Russellville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Valley State Bank in Russellville, Alabama (AL)
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Valley State Bank routing number info

Valley State Bank - Overview

  • General
  • FDIC Certificate #: 26021
    Status: Active
    Federal Reserve ID: 595337
    Bank Holding Company (Regulatory Top Holder): Valley Bancshares, Inc. (RSSDID: 1493609, Location: Russellville, AL)
    Date Established: April 01, 1985
    WWW: http://www.valleystate.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15710
    FDIC's unique #: 32301
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 01, 1985
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 15565 Highway 43 Bypass, Russellville, AL 35653
    County: Franklin
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $117.4 mil
    Equity capital: $17.4 mil
    Deposits held in domestic offices: $99.5 mil
    Return on assets (ROA): 0.52% ($0.6 mil)
    Quarterly return on assets: 0.74% ($0.9 mil)
    Return on Equity (ROE): 3.57% ($0.6 mil)
    Quarterly return on equity: 5.03% ($0.9 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.69% ($810.2 mil)
    Quarterly Pretax return on assets: 1.01% ($1,185.9 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
  • 28Total employees (full-time equivalent)
  • $117,417Total assets
  • $11,592Cash and due from depository institutions
  • $0Interest-bearing balances
  • $53,447Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $49,916Net loans & leases
  • $1,033Loan loss allowance
  • $0Trading account assets
  • $887Bank premises and fixed assets
  • $265Other real estate owned
  • $0Goodwill and other intangibles
  • $117,417Life insurance assets
  • $1,310All other assets
  • $100,033Total liabilities and capital
  • $99,497Total liabilities
  • $91,935Total deposits
  • $99,497Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $536Subordinated debt
  • $17,384All other liabilities
  • $17,384Total equity capital
  • $17,384Total bank equity capital
  • $0Perpetual preferred stock
  • $151Common stock
  • $1,959Surplus
  • $15,274Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $178Income earned, not collected on loans
  • $0Earning assets
  • $576Long-term assets (5+ years)
  • $103,363Average Assets, year-to-date
  • $41,635Average Assets, quarterly
  • $115,257Volatile liabilities
  • $117,521Insider loans
  • $59,115FHLB advances
  • $119,227Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,771Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,142Restructured Loans and leases
  • $2,899Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,007Total interest income
  • $1,305Total interest expense
  • $2,702Net interest income
  • $120Provision for loan and lease losses
  • $337Total noninterest income
  • $0Fiduciary activities
  • $298Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $2,189Total noninterest expense
  • $1,147Salaries and employee benefits
  • $447Premises and equipment expense
  • $595Additional noninterest expense
  • $730Pre-tax net operating income
  • $65Securities gains (losses)
  • $190Applicable income taxes
  • $605Income before extraordinary items
  • $0Extraordinary gains - net
  • $605Net income attributable to bank
  • $0Net charge-offs
  • $605Cash dividends
  • $21Sale, conversion, retirement of capital stock, net
  • $112Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 2.69%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 3.57%Return on equity (ROE)
  • 2.91%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 571.43%Credit loss provision to net charge-offs
  • 40.48%Efficiency ratio
  • 72,030Assets per employee
  • 4.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.51%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 580.34%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 50.17%Net loans and leases to core deposits
  • 54.46%Equity capital to assets
  • 14.81%Core capital (leverage) ratio
  • 14.07%Tier 1 risk-based capital ratio
  • 28.37%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $115,257Average earning assets
  • $16,938Average equity
  • $100,435Average loans

List of branches

  • 5 Alabama Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    032301Valley State Bank15565 Highway 43 Bypass, Russellville, AL 35653April 01, 1985Full Service Brick and Mortar
    1258457Littleville BranchHighway 43, Littleville, AL 35653August 09, 1993Limited Service Facility
    2362570North Jackson Avenue Branch308 North Jackson Avenue, Russellville, AL 35653September 24, 2001Limited Service Facility
    3442244Wal-Mart Supercenter Branch13675 Ushwy. 43, Russellville, AL 35653January 26, 2005Limited Service Facility
    44647854th Avenue Branch527 Fourth Avenue Se, Red Bay, AL 35582June 18, 2007Full Service Brick and Mortar

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