Raccoon Valley Bank

Raccoon Valley Bank is headquartered in Perry and is the 91^st largest bank in the state of Iowa. It is also the 3,217^st largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 39 employees at 5 locations. Raccoon Valley Bank has a 4-star health rating.

Raccoon Valley Bank Routing Number: 073920887

Data for Q1 2012

Institution Statistics Raccoon Valley Bank FDIC Certificate # 245 BankRate Report View Year Established 1927 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $192.97 million Loans $95.89 million Deposits $174.48 million Equity Capital $16.74 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $1.18 million Real Estate Owned $1.21 million Historic Data - March 2011 Assets $188.23 million Equity Capital $15.59 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $909,000 Real Estate Owned $1.51 million Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 1.27% Return on Equity 14.62% Interest Income $1.63 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 Raccoon Valley Bank had $2.39 million in non-current loans and owned real-estate with $18.61 million in equity and loan loss allowances on hand to cover it. This gives Raccoon Valley Bank a Texas Ratio of 12.86% 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 Raccoon Valley Bank held steady from 13.91% as of March 31, 2011 to 12.86% as of March 31, 2012, resulting in a positive change of 7.57%.This indicates that the balance sheet and financial strength for Raccoon Valley Bank has held steady in recent periods. Deposit Growth In the past year, Raccoon Valley Bank has increased its total deposits by $5.63 million, resulting in 3.33% 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 Raccoon 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. Raccoon Valley Bank has $192.97 million in assets with $18.61 million in equity, resulting in a capitalization level of 9.64%, which is average.

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