Roanoke Valley Savings Bank, SSB

Roanoke Valley Savings Bank, SSB is headquartered in Roanoke Rapids and is the 87^th largest bank in the state of North Carolina. It is also the 6,606^th largest bank in the nation. It was established in 1929 and as of March of 2012, it had grown to 6 employees at 1 location. Roanoke Valley Savings Bank, SSB has a 5-star health rating.

Data for Q1 2012

Institution Statistics Roanoke Valley Savings Bank, SSB FDIC Certificate # 29485 BankRate Report View Year Established 1929 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $42.03 million Loans $19.55 million Deposits $31.63 million Equity Capital $9.68 million Loan Loss Allowance $167,000 Unbacked Noncurrent Loans $673,000 Real Estate Owned $57,000 Historic Data - March 2011 Assets $43.19 million Equity Capital $9.63 million Loan Loss Allowance $90,000 Unbacked Noncurrent Loans $368,000 Real Estate Owned $282,000 Profit Margin - Quarterly Net Interest Margin 2.02% Return on Assets 0.22% Return on Equity 0.95% Interest Income $273,000

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 Roanoke Valley Savings Bank, SSB had $730,000 in non-current loans and owned real-estate with $9.85 million in equity and loan loss allowances on hand to cover it. This gives Roanoke Valley Savings Bank, SSB a Texas Ratio of 7.41% 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 Roanoke Valley Savings Bank, SSB held steady from 6.69% as of March 31, 2011 to 7.41% as of March 31, 2012, resulting in a negative change of 10.90%. This indicates that the balance sheet and financial strength for Roanoke Valley Savings Bank, SSB has held steady in recent periods. Deposit Growth In the past year, Roanoke Valley Savings Bank, SSB has decreased its total deposits by -$1.25 million, resulting in -3.8% 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 Roanoke Valley Savings Bank, SSB has shown is below 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. Roanoke Valley Savings Bank, SSB has $42.02 million in assets with $9.85 million in equity, resulting in a capitalization level of 23.43%, which is excellent.

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