The Twin Valley Bank

The Twin Valley Bank is headquartered in West Alexandria and is the 206^th largest bank in the state of Ohio. It is also the 6,390^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 15 employees at 2 locations. The Twin Valley Bank has a 4-star health rating.

The Twin Valley Bank Savings Account Rates

The Twin Valley Bank Money Market Rates

The Twin Valley Bank CD Rates

Data for Q1 2012

Institution Statistics The Twin Valley Bank FDIC Certificate # 13802 BankRate Report View Year Established 1888 Employees 15 Primary Regulator FED Assets and Liabilities Assets $49.21 million Loans $30.94 million Deposits $40.53 million Equity Capital $6.03 million Loan Loss Allowance $318,000 Unbacked Noncurrent Loans $1.31 million Real Estate Owned $223,000 Historic Data - March 2011 Assets $47.09 million Equity Capital $5.86 million Loan Loss Allowance $224,000 Unbacked Noncurrent Loans $233,000 Real Estate Owned $458,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.54% Return on Equity 4.4% Interest Income $540,000

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 The Twin Valley Bank had $1.53 million in non-current loans and owned real-estate with $6.34 million in equity and loan loss allowances on hand to cover it. This gives The Twin Valley Bank a Texas Ratio of 24.13% 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 The Twin Valley Bank increased slightly from 11.36% as of March 31, 2011 to 24.13% as of March 31, 2012, resulting in a negative change of 112.48%. This indicates that the balance sheet and financial strength for The Twin Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, The Twin Valley Bank has increased its total deposits by $1.98 million, resulting in 5.14% 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 The Twin 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. The Twin Valley Bank has $49.21 million in assets with $6.34 million in equity, resulting in a capitalization level of 12.89%, which is excellent.

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