The Village Bank is a state-chartered independent bank that serves the residents and businesses of Washington County and portions of Iron County, Utah and Clark County, Nevada.  The bank was established on August 7, 1996.  The Village Bank has been FDIC insured since August 7, 1996.  The Village Bank has four bank branches.  The Village Bank is chartered as a Federal Reserve Non-member and the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  The bank had total assets of $265,910,000 at the end of 2008 and net income for the year of $1,886,000.  Total deposits stood at $219,157,000.  Approximate number of full time employees at the bank is 72.

The Village Bank most recent performance ratios.
As of December 31, 2008:

Noncurrent loans to loans 3.57%
Equity capital to assets 9.14%
Core capital (leverage) ratio 8.61%
Tier 1 risk-based capital ratio 10.35%
Total risk-based capital ratio 11.45%
Return on assets (ROA) 0.71%
Return on equity (ROE)  8.01%

The Village Bank products and services:

Free checking accounts, senior checking accounts, student checking accounts, basic checking accounts, checking accounts with added benefits, standard savings accounts, student savings accounts, money market accounts, high yield money market accounts, certificates of deposit, Individual Retirement Accounts, Health Savings Accounts, private banking, business checking, business savings, business money market accounts, business certificates of deposit, merchants services, remote deposit capture, commercial real estate loans, equipment financing, business lines of credit, sweep accounts, auto loans, personal loans, home equity loans, lot loans, construction loans, residential mortgages and credit cards.

The Village Bank has 4 offices, 24 hour ATM access at each location, telephone banking, and internet banking.

Tabernacle Office
294 East Tabernacle
St. George, UT 84770
Phone: 435.674.5200
Fax: 435.628.0580

Sunset Office
1091 N. Bluff St.
St. George, UT 84770
Phone: 435.652.8200
Fax: 435.652.3614

River Road Office
1224 S. River Road
St. George, UT 84790
Phone: 435.627.1100
Fax: 435.652.9499

Cotton Mill Office
710 W. Telegraph
Washington, UT 84780
Phone: 435.656.5515
Fax: 435.251.9288

Web address: www.thevillagebank.com

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