Platte Valley Bank

Platte Valley Bank is headquartered in Torrington and is the 16^st largest bank in the state of Wyoming. It is also the 3,049^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 54 employees at 3 locations. Platte Valley Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Platte Valley Bank FDIC Certificate # 5442 BankRate Report View Year Established 1925 Employees 54 Primary Regulator FED Assets and Liabilities Assets $205.59 million Loans $172.75 million Deposits $167.54 million Equity Capital $22.39 million Loan Loss Allowance $3.03 million Unbacked Noncurrent Loans $1.39 million Real Estate Owned $253,000 Historic Data - March 2011 Assets $193.61 million Equity Capital $20.00 million Loan Loss Allowance $2.70 million Unbacked Noncurrent Loans $1.61 million Real Estate Owned $773,000 Profit Margin - Quarterly Net Interest Margin 5.78% Return on Assets 1.59% Return on Equity 14.62% Interest Income $3.22 million

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 Platte Valley Bank had $1.64 million in non-current loans and owned real-estate with $25.41 million in equity and loan loss allowances on hand to cover it. This gives Platte Valley Bank a Texas Ratio of 6.45% 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 Platte Valley Bank decreased slightly from 9.00% as of March 31, 2011 to 6.45% as of March 31, 2012, resulting in a positive change of 28.36%.This indicates that the balance sheet and financial strength for Platte Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Platte Valley Bank has increased its total deposits by $8.38 million, resulting in 5.26% 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 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 has $205.59 million in assets with $25.41 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

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