Alva State Bank & Trust Company

Alva State Bank & Trust Company is headquartered in Alva and is the 64^th largest bank in the state of Oklahoma. It is also the 3,019^st largest bank in the nation. It was established in 1901 and as of December of 2011, it had grown to 32 employees at 3 locations. Alva State Bank & Trust Company has a 5-star health rating.

Data for Q4 2011

Institution Statistics Alva State Bank & Trust Company FDIC Certificate # 9465 BankRate Report View Year Established 1901 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $206.32 million Loans $131.84 million Deposits $166.22 million Equity Capital $33.78 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $4.06 million Real Estate Owned $59,000 Historic Data - December 2010 Assets $179.97 million Equity Capital $31.58 million Loan Loss Allowance $2.54 million Unbacked Noncurrent Loans $4.88 million Real Estate Owned $163,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 2.18% Return on Equity 12.68% Interest Income $8.53 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Alva State Bank & Trust Company had $4.12 million in non-current loans and owned real-estate with $36.03 million in equity and loan loss allowances on hand to cover it. This gives Alva State Bank & Trust Company a Texas Ratio of 11.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alva State Bank & Trust Company decreased slightly from 14.78% as of December 31, 2010 to 11.43% as of December 31, 2011, resulting in a positive change of 22.68%.This indicates that the balance sheet and financial strength for Alva State Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Alva State Bank & Trust Company has increased its total deposits by $25.36 million, resulting in 18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alva State Bank & Trust Company has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alva State Bank & Trust Company has $206.32 million in assets with $36.03 million in equity, resulting in a capitalization level of 17.46%, which is excellent.

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