Platte Valley Bank of Missouri

Platte Valley Bank of Missouri is headquartered in Platte City and is the 62^nd largest bank in the state of Missouri. It is also the 1,727^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 153 employees at 8 locations. Platte Valley Bank of Missouri has a 4-star health rating.

Platte Valley Bank of Missouri Checking Account Rates

Data for Q1 2012

Institution Statistics Platte Valley Bank of Missouri FDIC Certificate # 14869 BankRate Report View Year Established 1933 Employees 153 Primary Regulator FDIC Assets and Liabilities Assets $385.83 million Loans $234.60 million Deposits $317.99 million Equity Capital $31.62 million Loan Loss Allowance $4.65 million Unbacked Noncurrent Loans $2.23 million Real Estate Owned $4.11 million Historic Data - March 2011 Assets $364.24 million Equity Capital $29.01 million Loan Loss Allowance $4.96 million Unbacked Noncurrent Loans $1.94 million Real Estate Owned $3.16 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 1.03% Return on Equity 12.29% Interest Income $4.07 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 March 31, 2012 Platte Valley Bank of Missouri had $6.34 million in non-current loans and owned real-estate with $36.27 million in equity and loan loss allowances on hand to cover it. This gives Platte Valley Bank of Missouri a Texas Ratio of 17.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Platte Valley Bank of Missouri held steady from 15.00% as of March 31, 2011 to 17.49% as of March 31, 2012, resulting in a negative change of 16.56%. This indicates that the balance sheet and financial strength for Platte Valley Bank of Missouri has held steady in recent periods. Deposit Growth In the past year, Platte Valley Bank of Missouri has increased its total deposits by $17.3 million, resulting in 5.75% 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 Platte Valley Bank of Missouri 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. Platte Valley Bank of Missouri has $385.83 million in assets with $36.27 million in equity, resulting in a capitalization level of 9.40%, which is average.

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