CYVF (Crystal Valley Financial) Scaled Net Operating Assets : 0.17 (As of Sep. 2024)

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What is Crystal Valley Financial 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.

Crystal Valley Financial's operating assets for the quarter that ended in Sep. 2024 was $776.48 Mil. Crystal Valley Financial's operating liabilities for the quarter that ended in Sep. 2024 was $643.93 Mil. Crystal Valley Financial's Total Assets for the quarter that ended in Jun. 2024 was $781.46 Mil. Therefore, Crystal Valley Financial's scaled net operating assets (SNOA) for the quarter that ended in Sep. 2024 was 0.17.

Crystal Valley Financial 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.

Crystal Valley Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(767.935	-	625.204)	/	734.22
=	0.19

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	778.207	-	10.272
=	767.935

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	703.768	-	78.564	-	0
=	625.204

Crystal Valley Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Sep. 2024 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Sep. 2024 )
=	(Operating Assets (Q: Sep. 2024 )	-	Operating Liabilities (Q: Sep. 2024 ))	/	Total Assets (Q: Jun. 2024 )
=	(776.48	-	643.934)	/	781.456
=	0.17

where

	Operating Assets		(Q: Sep. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	796.823	-	20.343
=	776.48

	Operating Liabilities		(Q: Sep. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	712.998	-	69.064	-	0
=	643.934

* 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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Crystal Valley Financial Business Description

Industry

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Traded in Other Exchanges

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Address

111 S. Main Street, P. O. Box 69, Middlebury, IN, USA, 46540

Website

https://www.bfirst.bank

Crystal Valley Financial Corp operates as the holding company for First State Bank that provides various personal and business banking products and services in Northern Indiana. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company also provides consumer, personal, and home equity loans and lines; business loans, term loans, lines of credit, agricultural loans, commercial real estate, letters of credit, and small business administration loans. In addition, it offers trust, wealth management, and investment services.