Bank of Star Valley

Bank of Star Valley is headquartered in Afton and is the 26^th largest bank in the state of Wyoming. It is also the 4,466^th largest bank in the nation. It was established in 1996 and as of December of 2011, it had grown to 26 employees at 3 locations. Bank of Star Valley has a 4-star health rating.

Bank of Star Valley Routing Number: 102306356

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Data for Q4 2011

Institution Statistics Bank of Star Valley FDIC Certificate # 34148 BankRate Report View Year Established 1996 Employees 26 Primary Regulator FED Assets and Liabilities Assets $119.11 million Loans $66.73 million Deposits $104.39 million Equity Capital $12.11 million Loan Loss Allowance $1.60 million Unbacked Noncurrent Loans $768,000 Real Estate Owned $406,000 Historic Data - December 2010 Assets $114.42 million Equity Capital $11.48 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $911,000 Real Estate Owned $946,000 Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 0.9% Return on Equity 8.98% Interest Income $5.52 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 Bank of Star Valley had $1.17 million in non-current loans and owned real-estate with $13.72 million in equity and loan loss allowances on hand to cover it. This gives Bank of Star Valley a Texas Ratio of 8.56% 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 Bank of Star Valley decreased significantly from 14.51% as of December 31, 2010 to 8.56% as of December 31, 2011, resulting in a positive change of 41.02%.This indicates that the balance sheet and financial strength for Bank of Star Valley has improved significantly in recent periods. Deposit Growth In the past year, Bank of Star Valley has increased its total deposits by $3.22 million, resulting in 3.18% 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 Bank of Star Valley 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 Star Valley has $119.11 million in assets with $13.72 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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