Bank of the Valley

Bank of the Valley is headquartered in Bellwood and is the 88^th largest bank in the state of Nebraska. It is also the 4,890^th largest bank in the nation. It was established in 1984 and as of September of 2011, it had grown to 20 employees at 3 locations. Bank of the Valley has a 4-star health rating.

Bank of the Valley Routing Number: 104901568

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Data for Q3 2011

Institution Statistics Bank of the Valley FDIC Certificate # 25291 BankRate Report View Year Established 1984 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $102.42 million Loans $81.07 million Deposits $82.11 million Equity Capital $8.42 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $936,000 Historic Data - September 2010 Assets $81.96 million Equity Capital $6.52 million Loan Loss Allowance $878,000 Unbacked Noncurrent Loans $49,000 Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 1.15% Return on Equity 13.81% Interest Income $3.52 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 September 30, 2011 Bank of the Valley had $936,000 in non-current loans and owned real-estate with $9.46 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Valley a Texas Ratio of 9.90% 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 the Valley decreased significantly from (infinite) as of September 30, 2010 to 9.90% as of September 30, 2011, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Bank of the Valley has improved significantly in recent periods. Deposit Growth In the past year, Bank of the Valley has increased its total deposits by $16.55 million, resulting in 25.24% 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 the Valley 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. Bank of the Valley has $102.42 million in assets with $9.46 million in equity, resulting in a capitalization level of 9.23%, which is average.

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