Huron Valley State Bank

Huron Valley State Bank is headquartered in Milford and is the 108^th largest bank in the state of Michigan. It is also the 5,693^rd largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 19 employees at 2 locations. Huron Valley State Bank has a 5-star health rating.

Huron Valley State Bank Routing Number: 072414190

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Data for Q1 2012

Institution Statistics Huron Valley State Bank FDIC Certificate # 57990 BankRate Report View Year Established 2005 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $72.87 million Loans $53.74 million Deposits $64.03 million Equity Capital $8.67 million Loan Loss Allowance $862,000 Unbacked Noncurrent Loans $549,000 Historic Data - March 2011 Assets $59.62 million Equity Capital $5.74 million Loan Loss Allowance $833,000 Unbacked Noncurrent Loans $781,000 Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.67% Return on Equity 5.58% Interest Income $794,000

Institution Health Overall Score: 5 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 Huron Valley State Bank had $549,000 in non-current loans and owned real-estate with $9.53 million in equity and loan loss allowances on hand to cover it. This gives Huron Valley State Bank a Texas Ratio of 5.76% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Huron Valley State Bank decreased significantly from 10.38% as of March 31, 2011 to 5.76% as of March 31, 2012, resulting in a positive change of 44.50%.This indicates that the balance sheet and financial strength for Huron Valley State Bank has improved significantly in recent periods. Deposit Growth In the past year, Huron Valley State Bank has increased its total deposits by $10.29 million, resulting in 19.14% 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 Huron Valley State 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. Huron Valley State Bank has $72.87 million in assets with $9.53 million in equity, resulting in a capitalization level of 13.08%, which is excellent.

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