River Valley Bancorp (River Valley Bancorp) Scaled Net Operating Assets : 0.17 (As of Sep. 2015)

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What is River Valley Bancorp Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River Valley Bancorp's operating assets for the quarter that ended in Sep. 2015 was $496.37 Mil. River Valley Bancorp's operating liabilities for the quarter that ended in Sep. 2015 was $407.09 Mil. River Valley Bancorp's Total Assets for the quarter that ended in Jun. 2015 was $520.08 Mil. Therefore, River Valley Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Sep. 2015 was 0.17.

River Valley Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River Valley Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2014 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2014 )
=	(Operating Assets (A: Dec. 2014 )	-	Operating Liabilities (A: Dec. 2014 ))	/	Total Assets (A: Dec. 2013 )
=	(500.922	-	406.016)	/	482.837
=	0.20

where

	Operating Assets		(A: Dec. 2014 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	509.475	-	8.553
=	500.922

	Operating Liabilities		(A: Dec. 2014 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	456.733	-	50.717	-	0
=	406.016

River Valley Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Sep. 2015 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Sep. 2015 )
=	(Operating Assets (Q: Sep. 2015 )	-	Operating Liabilities (Q: Sep. 2015 ))	/	Total Assets (Q: Jun. 2015 )
=	(496.369	-	407.09)	/	520.075
=	0.17

where

	Operating Assets		(Q: Sep. 2015 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	513.702	-	17.333
=	496.369

	Operating Liabilities		(Q: Sep. 2015 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	458.057	-	50.967	-	0
=	407.09

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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River Valley Bancorp (River Valley Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » River Valley Bancorp (NAS:RIVR) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.rvfbank.com

River Valley Bancorp, an Indiana corporation, was formed in 1996. The activities of the holding company have been limited mainly to holding the stock of River Valley Financial, which was organized in 1875 under the laws of the United States of America. River Valley Financial, which provides banking services in a single business segment, conducts operations from its 14 full-service office locations in southeastern Indiana and northern Kentucky. Its loan portfolio comprises of residential loans, multi-family loans, construction loans, nonresidential real estate loans, land loans, commercial loans, and consumer loans. The Bank underwrites fixed rate residential mortgage loan for potential sale to the FHLMC on a servicing-retained basis. Deposits are attracted through the offering of deposit instruments including fixed rate certificate of deposits, NOW, MMDAs and other transactional accounts, individual retirement accounts and savings accounts. The Bank is subject to examination, supervision and regulation by the Indiana Department of Financial Institutions, and the Federal Deposit Insurance Corporation. The Holding Company is a bank holding company, subject to oversight by the Board of Governors of the Federal Reserve System.

Executives

Lonnie D Collins

director, officer: Secretary

RIVER VALLEY BANCORP, 303 CLIFTY DR, MADISON IN 47250