First Valley Bank

First Valley Bank is headquartered in Seeley Lake and is the 51^st largest bank in the state of Montana. It is also the 6,305^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 9 employees at 1 location. First Valley Bank's savings rates are 4X the national average, and it has a 3-star health rating.

First Valley Bank Routing Number: 092101603

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Data for Q1 2012

Institution Statistics First Valley Bank FDIC Certificate # 26190 BankRate Report View Year Established 1985 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $52.29 million Loans $37.75 million Deposits $47.30 million Equity Capital $4.83 million Loan Loss Allowance $431,000 Unbacked Noncurrent Loans $394,000 Real Estate Owned $427,000 Historic Data - March 2011 Assets $52.67 million Equity Capital $4.34 million Loan Loss Allowance $380,000 Unbacked Noncurrent Loans $318,000 Real Estate Owned $767,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.7% Return on Equity 18.73% Interest Income $616,000

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 March 31, 2012 First Valley Bank had $821,000 in non-current loans and owned real-estate with $5.26 million in equity and loan loss allowances on hand to cover it. This gives First Valley Bank a Texas Ratio of 15.62% 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 First Valley Bank decreased slightly from 22.97% as of March 31, 2011 to 15.62% as of March 31, 2012, resulting in a positive change of 32.02%.This indicates that the balance sheet and financial strength for First Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, First Valley Bank has decreased its total deposits by $-800,000, resulting in -1.66% 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 First 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. First Valley Bank has $52.29 million in assets with $5.26 million in equity, resulting in a capitalization level of 10.05%, which is above average.

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