Spring Valley Bank

Spring Valley Bank is headquartered in Wyoming and is the 184^th largest bank in the state of Ohio. It is also the 5,782^nd largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 9 employees at 1 location. Spring Valley Bank has a 4-star health rating.

Spring Valley Bank Routing Number: 042215468

Data for Q1 2012

Institution Statistics Spring Valley Bank FDIC Certificate # 34386 BankRate Report View Year Established 1997 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $69.53 million Loans $50.20 million Deposits $42.03 million Equity Capital $27.40 million Loan Loss Allowance $936,000 Unbacked Noncurrent Loans $3.91 million Real Estate Owned $1.84 million Historic Data - March 2011 Assets $66.43 million Equity Capital $25.85 million Loan Loss Allowance $834,000 Unbacked Noncurrent Loans $3.10 million Real Estate Owned $3.41 million Profit Margin - Quarterly Net Interest Margin 5.32% Return on Assets 2.04% Return on Equity 5.13% Interest Income $935,000

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 Spring Valley Bank had $5.74 million in non-current loans and owned real-estate with $28.34 million in equity and loan loss allowances on hand to cover it. This gives Spring Valley Bank a Texas Ratio of 20.27% 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 Spring Valley Bank held steady from 17.39% as of March 31, 2011 to 20.27% as of March 31, 2012, resulting in a negative change of 16.57%. This indicates that the balance sheet and financial strength for Spring Valley Bank has held steady in recent periods. Deposit Growth In the past year, Spring Valley Bank has increased its total deposits by $1.6 million, resulting in 3.96% 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 Spring 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. Spring Valley Bank has $69.53 million in assets with $28.34 million in equity, resulting in a capitalization level of 40.75%, which is excellent.

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