Meramec Valley Bank

Meramec Valley Bank is headquartered in Valley Park and is the 198^th largest bank in the state of Missouri. It is also the 4,973^rd largest bank in the nation. It was established in 1918 and as of March of 2012, it had grown to 28 employees at 2 locations. Meramec Valley Bank has a 2-star health rating.

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Meramec Valley Bank CD Rates

Data for Q1 2012

Institution Statistics Meramec Valley Bank FDIC Certificate # 19200 BankRate Report View Year Established 1918 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $98.89 million Loans $60.42 million Deposits $82.12 million Equity Capital $8.42 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $745,000 Real Estate Owned $8.97 million Historic Data - March 2011 Assets $113.55 million Equity Capital $9.15 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $1.98 million Real Estate Owned $10.94 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets -0.6% Return on Equity -6.97% Interest Income $1.01 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 March 31, 2012 Meramec Valley Bank had $9.71 million in non-current loans and owned real-estate with $9.87 million in equity and loan loss allowances on hand to cover it. This gives Meramec Valley Bank a Texas Ratio of 98.41% 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 Meramec Valley Bank decreased slightly from 118.29% as of March 31, 2011 to 98.41% as of March 31, 2012, resulting in a positive change of 16.81%.This indicates that the balance sheet and financial strength for Meramec Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Meramec Valley Bank has decreased its total deposits by -$13.57 million, resulting in -14.18% 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 Meramec Valley Bank 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. Meramec Valley Bank has $98.89 million in assets with $9.87 million in equity, resulting in a capitalization level of 9.98%, which is average.

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