Brazos Valley Bank, National Association

Brazos Valley Bank, National Association is headquartered in College Station and is the 372^nd largest bank in the state of Texas. It is also the 4,651^st largest bank in the nation. It was established in 2004 and as of December of 2011, it had grown to 29 employees at 3 locations. Brazos Valley Bank, National Association has a 2-star health rating.

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Data for Q4 2011

Institution Statistics Brazos Valley Bank, National Association FDIC Certificate # 57693 BankRate Report View Year Established 2004 Employees 29 Primary Regulator OCC Assets and Liabilities Assets $111.62 million Loans $71.45 million Deposits $98.69 million Equity Capital $12.15 million Loan Loss Allowance $2.22 million Unbacked Noncurrent Loans $3.98 million Real Estate Owned $1.69 million Historic Data - December 2010 Assets $128.07 million Equity Capital $11.62 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $1.35 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.11% Return on Equity 1.1% Interest Income $5.69 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 Brazos Valley Bank, National Association had $5.67 million in non-current loans and owned real-estate with $14.36 million in equity and loan loss allowances on hand to cover it. This gives Brazos Valley Bank, National Association a Texas Ratio of 39.46% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Brazos Valley Bank, National Association increased slightly from 26.73% as of December 31, 2010 to 39.46% as of December 31, 2011, resulting in a negative change of 47.60%. This indicates that the balance sheet and financial strength for Brazos Valley Bank, National Association has declined slightly in recent periods. Deposit Growth In the past year, Brazos Valley Bank, National Association has decreased its total deposits by -$16.53 million, resulting in -14.35% 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 Brazos Valley Bank, National Association has shown is poor. 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. Brazos Valley Bank, National Association has $111.62 million in assets with $14.36 million in equity, resulting in a capitalization level of 12.87%, which is excellent.

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