AVB Bank

AVB Bank is headquartered in Broken Arrow and is the 44^th largest bank in the state of Oklahoma. It is also the 2,451^st largest bank in the nation. It was established in 1905 and as of December of 2011, it had grown to 72 employees at 5 locations. AVB Bank has a 4-star health rating.

AVB Bank Routing Number: 103102892

Data for Q4 2011

Institution Statistics AVB Bank FDIC Certificate # 2326 BankRate Report View Year Established 1905 Employees 72 Primary Regulator FDIC Assets and Liabilities Assets $260.69 million Loans $139.62 million Deposits $221.11 million Equity Capital $37.02 million Loan Loss Allowance $3.53 million Unbacked Noncurrent Loans $1.79 million Real Estate Owned $3.30 million Historic Data - December 2010 Assets $257.29 million Equity Capital $35.37 million Loan Loss Allowance $4.54 million Unbacked Noncurrent Loans $5.60 million Real Estate Owned $2.54 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.57% Return on Equity 4.16% Interest Income $10.92 million

Institution Health Overall Score: 4 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 AVB Bank had $5.09 million in non-current loans and owned real-estate with $40.55 million in equity and loan loss allowances on hand to cover it. This gives AVB Bank a Texas Ratio of 12.54% 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 AVB Bank decreased slightly from 20.05% as of December 31, 2010 to 12.54% as of December 31, 2011, resulting in a positive change of 37.43%.This indicates that the balance sheet and financial strength for AVB Bank has improved slightly in recent periods. Deposit Growth In the past year, AVB Bank has increased its total deposits by $1.29 million, resulting in 0.59% 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 AVB Bank has shown is average. 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. AVB Bank has $260.69 million in assets with $40.55 million in equity, resulting in a capitalization level of 15.56%, which is excellent.

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