Gunnison Valley Bank

Gunnison Valley Bank is headquartered in Gunnison and is the 46^th largest bank in the state of Utah. It is also the 5,685^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 12 employees at 1 location. Gunnison Valley Bank has a 3-star health rating.

Gunnison Valley Bank Routing Number: 124300699

Data for Q1 2012

Institution Statistics Gunnison Valley Bank FDIC Certificate # 1250 BankRate Report View Year Established 1909 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $73.23 million Loans $55.17 million Deposits $65.68 million Equity Capital $7.08 million Loan Loss Allowance $901,000 Unbacked Noncurrent Loans $3.51 million Real Estate Owned $6.01 million Historic Data - March 2011 Assets $69.55 million Equity Capital $6.71 million Loan Loss Allowance $997,000 Unbacked Noncurrent Loans $6.25 million Real Estate Owned $5.21 million Profit Margin - Quarterly Net Interest Margin 5.81% Return on Assets 0.58% Return on Equity 6.03% Interest Income $1.05 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 March 31, 2012 Gunnison Valley Bank had $9.52 million in non-current loans and owned real-estate with $7.98 million in equity and loan loss allowances on hand to cover it. This gives Gunnison Valley Bank a Texas Ratio of 119.31% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Gunnison Valley Bank decreased slightly from 148.74% as of March 31, 2011 to 119.31% as of March 31, 2012, resulting in a positive change of 19.79%.This indicates that the balance sheet and financial strength for Gunnison Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Gunnison Valley Bank has increased its total deposits by $3.26 million, resulting in 5.22% 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 Gunnison Valley Bank 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. Gunnison Valley Bank has $73.23 million in assets with $7.98 million in equity, resulting in a capitalization level of 10.90%, which is above average.

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