Home > Valley Savings Bank, FSB > Assets and Liabilities
Valley Savings Bank, FSB, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 36 | 4,776 |
| Assets and Liabilities | ||
| Total Assets: | $108,761,000 | 4,014 |
| Cash and due from depository institutions | $4,422,000 | 4,776 |
| Interest-bearing balances | $641,000 | 2,904 |
| Securities | $41,630,000 | 2,721 |
| Federal funds sold & reverse repurchase agreements | $750,000 | 6,812 |
| Net loans & leases | $59,096,000 | 4,385 |
| Loan loss allowance | $344,000 | 7,101 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,087,000 | 5,719 |
| Other real estate owned | $0 | 4,776 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,776,000 | 3,872 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $108,761,000 | 4,014 |
| Total liabilities | $100,328,000 | 3,919 |
| Total deposits | $99,385,000 | 3,732 |
| Interest-bearing deposits | $97,069,000 | 3,281 |
| Deposits held in domestic offices | $99,385,000 | 3,724 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $943,000 | 3,741 |
| Total equity capital | $8,433,000 | 4,999 |
| Total bank equity capital | $8,433,000 | 4,999 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,500,000 | 2,360 |
| Surplus | $1,500,000 | 6,259 |
| Undivided profits | $5,433,000 | 4,217 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $248,000 | 5,816 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $353,000 | 6,183 |
| Earning assets | $102,117,000 | 3,957 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $108,993,800 | 3,843 |
| Average Assets, quarterly | $110,071,000 | 3,921 |
| Volatile liabilities | $11,011,000 | 4,674 |
| Insider loans | $114,000 | 8,276 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $2,169,000 | 7,233 |
| Tier 1 (core) risk-based capital | $8,215,000 | 4,962 |
| Tier 2 risk-based capital | $344,000 | 6,556 |
| Total risk weighted assets | $45,963,000 | 5,394 |
| Total unused commitments | $2,169,000 | 7,240 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 35 | 5,143 |
| Assets and Liabilities | ||
| Total Assets: | $106,429,000 | 4,186 |
| Cash and due from depository institutions | $4,347,000 | 5,143 |
| Interest-bearing balances | $493,000 | 3,127 |
| Securities | $36,338,000 | 3,332 |
| Federal funds sold & reverse repurchase agreements | $1,700,000 | 5,293 |
| Net loans & leases | $61,165,000 | 4,299 |
| Loan loss allowance | $525,000 | 5,706 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,151,000 | 5,533 |
| Other real estate owned | $3,000 | 5,143 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,725,000 | 4,116 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $106,429,000 | 4,186 |
| Total liabilities | $98,890,000 | 4,055 |
| Total deposits | $98,180,000 | 3,838 |
| Interest-bearing deposits | $98,180,000 | 3,335 |
| Deposits held in domestic offices | $98,180,000 | 3,826 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $710,000 | 4,632 |
| Total equity capital | $7,539,000 | 5,495 |
| Total bank equity capital | $7,539,000 | 5,495 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,500,000 | 2,495 |
| Surplus | $1,500,000 | 6,419 |
| Undivided profits | $4,539,000 | 4,769 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $65,000 | 8,770 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $364,000 | 6,065 |
| Earning assets | $99,696,000 | 4,113 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $100,511,400 | 4,239 |
| Average Assets, quarterly | $104,117,000 | 4,217 |
| Volatile liabilities | $7,228,000 | 5,955 |
| Insider loans | $115,000 | 8,614 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $386,000 | 10,015 |
| Tier 1 (core) risk-based capital | $7,590,000 | 5,359 |
| Tier 2 risk-based capital | $495,000 | 5,311 |
| Total risk weighted assets | $48,368,000 | 5,188 |
| Total unused commitments | $386,000 | 10,024 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 36 | 5,163 |
| Assets and Liabilities | ||
| Total Assets: | $95,227,000 | 4,614 |
| Cash and due from depository institutions | $5,180,000 | 5,163 |
| Interest-bearing balances | $2,321,000 | 1,649 |
| Securities | $26,531,000 | 4,505 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $60,447,000 | 4,245 |
| Loan loss allowance | $529,000 | 5,816 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,200,000 | 5,413 |
| Other real estate owned | $25,000 | 5,163 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,844,000 | 3,911 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $95,227,000 | 4,614 |
| Total liabilities | $87,888,000 | 4,515 |
| Total deposits | $87,208,000 | 4,334 |
| Interest-bearing deposits | $84,940,000 | 3,869 |
| Deposits held in domestic offices | $87,208,000 | 4,326 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $680,000 | 4,986 |
| Total equity capital | $7,339,000 | 5,653 |
| Total bank equity capital | $7,339,000 | 5,653 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $1,500,000 | 2,568 |
| Surplus | $1,500,000 | 6,497 |
| Undivided profits | $4,339,000 | 4,990 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $148,000 | 7,415 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $384,000 | 5,988 |
| Earning assets | $89,299,000 | 4,534 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $92,860,000 | 4,534 |
| Average Assets, quarterly | $94,119,500 | 4,608 |
| Volatile liabilities | $4,324,000 | 7,423 |
| Insider loans | $655,000 | 4,874 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $81,000 | 11,086 |
| Tier 1 (core) risk-based capital | $7,254,000 | 5,577 |
| Tier 2 risk-based capital | $493,000 | 5,335 |
| Total risk weighted assets | $48,052,000 | 5,193 |
| Total unused commitments | $266,000 | 10,574 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 35 | 5,491 |
| Assets and Liabilities | ||
| Total Assets: | $91,216,000 | 4,740 |
| Cash and due from depository institutions | $2,506,000 | 5,491 |
| Interest-bearing balances | $367,000 | 3,763 |
| Securities | $26,218,000 | 4,781 |
| Federal funds sold & reverse repurchase agreements | $3,000,000 | 2,781 |
| Net loans & leases | $56,266,000 | 4,437 |
| Loan loss allowance | $620,000 | 5,264 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,250,000 | 5,276 |
| Other real estate owned | $18,000 | 5,491 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,958,000 | 3,916 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $91,216,000 | 4,740 |
| Total liabilities | $85,013,000 | 4,630 |
| Total deposits | $83,058,000 | 4,507 |
| Interest-bearing deposits | $81,218,000 | 3,997 |
| Deposits held in domestic offices | $83,058,000 | 4,496 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $1,500,000 | 2,783 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $455,000 | 5,557 |
| Total equity capital | $6,203,000 | 6,110 |
| Total bank equity capital | $6,203,000 | 6,110 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $1,500,000 | 2,652 |
| Surplus | $1,500,000 | 6,572 |
| Undivided profits | $3,203,000 | 5,672 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $166,000 | 7,259 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $359,000 | 5,692 |
| Earning assets | $85,851,000 | 4,634 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $89,747,400 | 4,708 |
| Average Assets, quarterly | $90,658,000 | 4,738 |
| Volatile liabilities | $5,173,000 | 6,617 |
| Insider loans | $764,000 | 4,424 |
| FHLB advances | $1,500,000 | 810 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $205,000 | 11,163 |
| Tier 1 (core) risk-based capital | $6,203,000 | 6,217 |
| Tier 2 risk-based capital | $541,000 | 4,956 |
| Total risk weighted assets | $43,340,000 | 5,561 |
| Total unused commitments | $205,000 | 11,166 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 35 | 5,698 |
| Assets and Liabilities | ||
| Total Assets: | $88,818,000 | 4,949 |
| Cash and due from depository institutions | $6,318,000 | 5,698 |
| Interest-bearing balances | $2,367,000 | 2,170 |
| Securities | $21,311,000 | 5,858 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $58,219,000 | 4,201 |
| Loan loss allowance | $641,000 | 5,320 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,289,000 | 5,223 |
| Other real estate owned | $0 | 5,698 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,681,000 | 4,019 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $88,818,000 | 4,949 |
| Total liabilities | $83,219,000 | 4,819 |
| Total deposits | $82,439,000 | 4,665 |
| Interest-bearing deposits | $80,638,000 | 4,168 |
| Deposits held in domestic offices | $82,439,000 | 4,658 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $780,000 | 3,806 |
| Total equity capital | $5,599,000 | 6,721 |
| Total bank equity capital | $5,599,000 | 6,721 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $1,500,000 | 2,712 |
| Surplus | $1,500,000 | 6,601 |
| Undivided profits | $2,599,000 | 6,662 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $80,000 | 9,659 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $364,000 | 5,089 |
| Earning assets | $81,897,000 | 4,925 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $85,571,800 | 4,970 |
| Average Assets, quarterly | $87,865,500 | 4,945 |
| Volatile liabilities | $6,280,000 | 5,707 |
| Insider loans | $292,000 | 7,354 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $344,000 | 11,029 |
| Tier 1 (core) risk-based capital | $5,599,000 | 6,627 |
| Tier 2 risk-based capital | $554,000 | 4,816 |
| Total risk weighted assets | $44,386,000 | 5,425 |
| Total unused commitments | $344,000 | 11,040 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 36 | 5,656 |
| Assets and Liabilities | ||
| Total Assets: | $82,839,000 | 5,333 |
| Cash and due from depository institutions | $5,631,000 | 5,656 |
| Interest-bearing balances | $2,891,000 | 2,149 |
| Securities | $15,499,000 | 7,208 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $58,693,000 | 4,247 |
| Loan loss allowance | $679,000 | 5,131 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,390,000 | 4,943 |
| Other real estate owned | $36,000 | 5,656 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,590,000 | 4,378 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $82,839,000 | 5,333 |
| Total liabilities | $78,547,000 | 5,160 |
| Total deposits | $78,106,000 | 4,994 |
| Interest-bearing deposits | $75,843,000 | 4,559 |
| Deposits held in domestic offices | $78,106,000 | 4,985 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $22,000 | 4,830 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $419,000 | 6,621 |
| Total equity capital | $4,292,000 | 7,899 |
| Total bank equity capital | $4,292,000 | 7,899 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $1,500,000 | 2,815 |
| Surplus | $1,500,000 | 6,543 |
| Undivided profits | $1,292,000 | 8,843 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $89,000 | 10,347 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $384,000 | 5,247 |
| Earning assets | $77,083,000 | 5,249 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $77,929,600 | 5,480 |
| Average Assets, quarterly | $80,764,500 | 5,388 |
| Volatile liabilities | $2,604,000 | 9,093 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $674,000 | 10,024 |
| Tier 1 (core) risk-based capital | $4,292,000 | 7,841 |
| Tier 2 risk-based capital | $531,000 | 4,969 |
| Total risk weighted assets | $42,415,000 | 5,688 |
| Total unused commitments | $674,000 | 10,050 |
| Derivatives | $0 | 651 |