Mountain Valley Bank

Mountain Valley Bank is headquartered in Dunlap and is the 156^th largest bank in the state of Tennessee. It is also the 4,946^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 37 employees at 3 locations. Mountain Valley Bank has a 3-star health rating.

Mountain Valley Bank Routing Number: 064103697

Data for Q1 2012

Institution Statistics Mountain Valley Bank FDIC Certificate # 1705 BankRate Report View Year Established 1905 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $99.74 million Loans $66.42 million Deposits $90.92 million Equity Capital $8.43 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $3.27 million Real Estate Owned $1.61 million Historic Data - March 2011 Assets $96.23 million Equity Capital $8.17 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $4.37 million Real Estate Owned $1.48 million Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 0.28% Return on Equity 3.29% Interest Income $1.22 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 Mountain Valley Bank had $4.88 million in non-current loans and owned real-estate with $9.97 million in equity and loan loss allowances on hand to cover it. This gives Mountain Valley Bank a Texas Ratio of 48.94% 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 Mountain Valley Bank decreased slightly from 60.44% as of March 31, 2011 to 48.94% as of March 31, 2012, resulting in a positive change of 19.03%.This indicates that the balance sheet and financial strength for Mountain Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Mountain Valley Bank has increased its total deposits by $3.23 million, resulting in 3.68% 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 Mountain Valley Bank has shown is above 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. Mountain Valley Bank has $99.74 million in assets with $9.97 million in equity, resulting in a capitalization level of 10.00%, which is above average.

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