Ruby Valley National Bank

Ruby Valley National Bank is headquartered in Twin Bridges and is the 39^th largest bank in the state of Montana. It is also the 5,479^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 18 employees at 2 locations. Ruby Valley National Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Ruby Valley National Bank FDIC Certificate # 2203 BankRate Report View Year Established 1917 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $79.90 million Loans $57.50 million Deposits $68.90 million Equity Capital $10.86 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.72 million Historic Data - March 2011 Assets $75.01 million Equity Capital $10.14 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $3.78 million Profit Margin - Quarterly Net Interest Margin 5.21% Return on Assets 2.01% Return on Equity 14.71% Interest Income $1.07 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 Ruby Valley National Bank had $1.72 million in non-current loans and owned real-estate with $11.88 million in equity and loan loss allowances on hand to cover it. This gives Ruby Valley National Bank a Texas Ratio of 14.47% 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 Ruby Valley National Bank decreased significantly from 33.34% as of March 31, 2011 to 14.47% as of March 31, 2012, resulting in a positive change of 56.58%.This indicates that the balance sheet and financial strength for Ruby Valley National Bank has improved significantly in recent periods. Deposit Growth In the past year, Ruby Valley National Bank has increased its total deposits by $4.2 million, resulting in 6.48% 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 Ruby Valley National 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. Ruby Valley National Bank has $79.9 million in assets with $11.88 million in equity, resulting in a capitalization level of 14.87%, which is excellent.

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