Institution Statistics
| Premier Valley Bank | | FDIC Certificate # | 57098 | | BankRate Report | View | | Year Established | 2001 | | Employees | 96 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $532.81 million | | Loans | $326.25 million | | Deposits | $456.11 million | | Equity Capital | $65.66 million | | Loan Loss Allowance | $6.17 million | | Unbacked Noncurrent Loans | $10.63 million | | Real Estate Owned | $4.51 million |
Historic Data - March 2011 | | Assets | $492.85 million | | Equity Capital | $62.97 million | | Loan Loss Allowance | $9.38 million | | Unbacked Noncurrent Loans | $11.81 million | | Real Estate Owned | $8.26 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.25% | | Return on Assets | 1.15% | | Return on Equity | 9.25% | | Interest Income | $5.24 million |
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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 Premier Valley Bank had $15.13 million in non-current loans and owned real-estate with $71.83 million in equity and loan loss allowances on hand to cover it. This gives Premier Valley Bank a Texas Ratio of 21.07% 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 Premier Valley Bank decreased slightly from 27.79% as of March 31, 2011 to 21.07% as of March 31, 2012, resulting in a positive change of 24.20%.This indicates that the balance sheet and financial strength for Premier Valley Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Premier Valley Bank has increased its total deposits by $34.87 million, resulting in 8.28% 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 Premier 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. Premier Valley Bank has $532.81 million in assets with $71.83 million in equity, resulting in a capitalization level of 13.48%, which is excellent. |
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