Tri-Valley Bank

Tri-Valley Bank is headquartered in Randolph and is the 246^th largest bank in the state of Iowa. It is also the 5,695^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 19 employees at 2 locations. Tri-Valley Bank has a 4-star health rating.

Tri-Valley Bank Routing Number: 104919275

Data for Q1 2012

Institution Statistics Tri-Valley Bank FDIC Certificate # 12417 BankRate Report View Year Established 1917 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $72.83 million Loans $32.21 million Deposits $62.50 million Equity Capital $6.49 million Loan Loss Allowance $470,000 Unbacked Noncurrent Loans $792,000 Real Estate Owned $370,000 Historic Data - March 2011 Assets $65.00 million Equity Capital $6.06 million Loan Loss Allowance $369,000 Unbacked Noncurrent Loans $1.69 million Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 2.21% Return on Equity 24.58% Interest Income $682,000

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 Tri-Valley Bank had $1.16 million in non-current loans and owned real-estate with $6.96 million in equity and loan loss allowances on hand to cover it. This gives Tri-Valley Bank a Texas Ratio of 16.71% 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 Tri-Valley Bank decreased slightly from 26.37% as of March 31, 2011 to 16.71% as of March 31, 2012, resulting in a positive change of 36.63%.This indicates that the balance sheet and financial strength for Tri-Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Tri-Valley Bank has increased its total deposits by $7.17 million, resulting in 12.96% 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 Tri-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. Tri-Valley Bank has $72.83 million in assets with $6.96 million in equity, resulting in a capitalization level of 9.55%, which is average.

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