Valley State Bank
| Weiss Ratings |
Valley State Bank
Russellville, AL |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 8.50 | |||
| Company Info |
Valley State Bank
Russellville, AL |
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| FDIC Number | 26021 | |||
| Phone Number | (256) 332-3600 | |||
| Website | www.valleystate.com | |||
| Asset Quality |
Valley State Bank
Russellville, AL |
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| 1-Year Asset Growth | 9.88% | |||
| 5-Year Asset Growth | 5.13% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.45% | |||
| Non-Performing Loans to Capital | 2.46% | |||
| Non-Performing Loans to Loans | 0.87% | |||
| Balance Sheet |
Valley State Bank
Russellville, AL |
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| Total Assets | 164.90M | |||
| Total Deposits | 135.40M | |||
| Capital and Reserves |
Valley State Bank
Russellville, AL |
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| Capital | 28.79M | |||
| Leverage Ratio | 18.01 | |||
| Loan Loss Reserves to Loans | 2.43% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Valley State Bank
Russellville, AL |
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| Hot Money Ratio | 38.33% | |||
| Liquidity Ratio | 34.41% | |||
| Profitability |
Valley State Bank
Russellville, AL |
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| 5-Year Return on Average Assets | 1.03% | |||
| Net Income | 1.77M | |||
| Net Interest Spread | 3.86% | |||
| Operating Profit to Average Assets | 1.36% | |||
| Overhead Efficiency Ratio | 60.54% | |||
| Return on Assets | 1.07% | |||
| Return on Equity | 6.47% | |||