Nodaway Valley Bank

Third & Main Street P. O. Box 700
Maryville, MO 64468
877-217-4682
www.nvb.com

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Nodaway Valley Bank is headquartered in Maryville and is the 30^th largest bank in the state of Missouri. It is also the 907^th largest bank in the nation. It was established in 1868 and as of September of 2011, it had grown to 162 employees at 10 locations. Nodaway Valley Bank has a 4-star health rating.

Nodaway Valley Bank Routing Number: 101201863

3.51% Reward Checking Account at Nodaway Valley Bank in Missouri - Local Only - 7/17/2009

Nodaway Valley Bank is offering a reward checking account with the following rates and features:3.51% APY on balances up to $25,0001.01% APY on portion of balance over $25,0000.25% base rate if monthly requirements are not metRefunds ATM fees...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Nodaway Valley Bank Checking Account Rates

Apy	Min	Max	Product
1.51%	-	$25k	Reward Checking
0.10%	$60k	-	Interest Checking

Nodaway Valley Bank Savings Account Rates

	Apy	Min	Max	Product
	0.15%	$50	-	Savings Account

Nodaway Valley Bank Money Market Rates

Apy	Min	Max	Product
0.35%	$75k	-	RateMax Money Market
0.25%	$100k	-	Money Market

Nodaway Valley Bank CD Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month CD
1.35%	$500	-	48 Month CD
1.05%	$500	-	36 Month CD
0.70%	$500	-	24 Month CD
0.50%	$500	-	12 Month CD
0.35%	$500	-	6 Month CD

Nodaway Valley Bank IRA Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month IRA
1.60%	$500	-	60 Month Roth IRA
1.60%	$500	-	60 Month CESA
1.35%	$500	-	48 Month IRA
1.35%	$500	-	48 Month Roth IRA
1.35%	$500	-	48 Month CESA
1.05%	$500	-	36 Month IRA
1.05%	$500	-	36 Month Roth IRA
1.05%	$500	-	36 Month CESA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	24 Month Roth IRA
0.70%	$500	-	24 Month CESA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	12 Month Roth IRA
0.50%	$500	-	12 Month CESA
0.35%	$500	-	6 Month IRA
0.35%	$500	-	6 Month Roth IRA
0.35%	$500	-	6 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

The Nodaway Valley Bank
FDIC Certificate #	8904
BankRate Report	View
Year Established	1868
Employees	162
Primary Regulator	FDIC
Assets and Liabilities
Assets	$735.99 million
Loans	$492.04 million
Deposits	$621.93 million
Equity Capital	$84.71 million
Loan Loss Allowance	$8.59 million
Unbacked Noncurrent Loans	$9.47 million
Real Estate Owned	$1.46 million
Historic Data - September 2010
Assets	$696.16 million
Equity Capital	$80.45 million
Loan Loss Allowance	$6.60 million
Unbacked Noncurrent Loans	$3.33 million
Real Estate Owned	$1.29 million
Profit Margin - Quarterly
Net Interest Margin	4.3%
Return on Assets	1.98%
Return on Equity	17.42%
Interest Income	$25.81 million

Institution Health

Overall Score:

4 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 September 30, 2011 Nodaway Valley Bank had $10.92 million in non-current loans and owned real-estate with $93.3 million in equity and loan loss allowances on hand to cover it. This gives Nodaway Valley Bank a Texas Ratio of 11.71% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Nodaway Valley Bank increased slightly from 5.30% as of September 30, 2010 to 11.71% as of September 30, 2011, resulting in a negative change of 120.74%. This indicates that the balance sheet and financial strength for Nodaway Valley Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Nodaway Valley Bank has increased its total deposits by $36.13 million, resulting in 6.17% 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 Nodaway 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. Nodaway Valley Bank has $735.98 million in assets with $93.3 million in equity, resulting in a capitalization level of 12.68%, which is excellent.