Bank of North Las Vegas

Bank of North Las Vegas is headquartered in North Las Vegas and is the 19^st largest bank in the state of Nevada. It is also the 5,389^th largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 15 employees at 1 location. Bank of North Las Vegas has a 2-star health rating.

Bank of North Las Vegas Routing Number: 122402243

Data for Q4 2011

Institution Statistics Valley Bank of Nevada FDIC Certificate # 57933 BankRate Report View Year Established 2005 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $83.41 million Loans $49.85 million Deposits $76.80 million Equity Capital $6.41 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $8.53 million Historic Data - December 2010 Assets $81.61 million Equity Capital $6.95 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $2.01 million Real Estate Owned $11.26 million Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets -2.86% Return on Equity -33.62% Interest Income $2.89 million

Institution Health Overall Score: 2 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 Bank of North Las Vegas had $10.45 million in non-current loans and owned real-estate with $8.91 million in equity and loan loss allowances on hand to cover it. This gives Bank of North Las Vegas a Texas Ratio of 117.30% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of North Las Vegas held steady from 136.75% as of December 31, 2010 to 117.30% as of December 31, 2011, resulting in a positive change of 14.22%.This indicates that the balance sheet and financial strength for Bank of North Las Vegas has held steady in recent periods. Deposit Growth In the past year, Bank of North Las Vegas has increased its total deposits by $2.36 million, resulting in 3.17% 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 Bank of North Las Vegas has shown is above 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. Bank of North Las Vegas has $83.41 million in assets with $8.91 million in equity, resulting in a capitalization level of 10.68%, which is above average.

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