Bitterroot Valley Bank

Bitterroot Valley Bank is headquartered in Lolo and is the 22^nd largest bank in the state of Montana. It is also the 3,188^th largest bank in the nation. It was established in 1982 and as of December of 2011, it had grown to 57 employees at 6 locations. Bitterroot Valley Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bitterroot Valley Bank FDIC Certificate # 23806 BankRate Report View Year Established 1982 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $192.32 million Loans $152.98 million Deposits $141.88 million Equity Capital $20.32 million Loan Loss Allowance $3.10 million Unbacked Noncurrent Loans $3.59 million Historic Data - December 2010 Assets $199.24 million Equity Capital $20.22 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $3.04 million Real Estate Owned $300,000 Profit Margin - Quarterly Net Interest Margin 4.9% Return on Assets 2.12% Return on Equity 20.66% Interest Income $11.42 million

Institution Health Overall Score: 3 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 Bitterroot Valley Bank had $3.59 million in non-current loans and owned real-estate with $23.42 million in equity and loan loss allowances on hand to cover it. This gives Bitterroot Valley Bank a Texas Ratio of 15.33% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bitterroot Valley Bank held steady from 15.09% as of December 31, 2010 to 15.33% as of December 31, 2011, resulting in a negative change of 1.57%. This indicates that the balance sheet and financial strength for Bitterroot Valley Bank has held steady in recent periods. Deposit Growth In the past year, Bitterroot Valley Bank has decreased its total deposits by -$3.29 million, resulting in -2.26% 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 Bitterroot Valley Bank has shown is below 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. Bitterroot Valley Bank has $192.32 million in assets with $23.42 million in equity, resulting in a capitalization level of 12.18%, which is excellent.

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