Institution Statistics
| United Valley Bank | | FDIC Certificate # | 15478 | | BankRate Report | View | | Year Established | 1905 | | Employees | 49 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $216.31 million | | Loans | $136.39 million | | Deposits | $184.95 million | | Equity Capital | $21.47 million | | Loan Loss Allowance | $2.59 million | | Unbacked Noncurrent Loans | $2.12 million | | Real Estate Owned | $840,000 |
Historic Data - March 2011 | | Assets | $201.76 million | | Equity Capital | $19.79 million | | Loan Loss Allowance | $2.33 million | | Unbacked Noncurrent Loans | $673,000 | | Real Estate Owned | $1.05 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.95% | | Return on Assets | 1.54% | | Return on Equity | 15.99% | | Interest Income | $2.33 million |
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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 United Valley Bank had $2.96 million in non-current loans and owned real-estate with $24.06 million in equity and loan loss allowances on hand to cover it. This gives United Valley Bank a Texas Ratio of 12.32% 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 United Valley Bank increased slightly from 5.81% as of March 31, 2011 to 12.32% as of March 31, 2012, resulting in a negative change of 112.11%. This indicates that the balance sheet and financial strength for United Valley Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, United Valley Bank has increased its total deposits by $9.18 million, resulting in 5.22% 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 United 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. United Valley Bank has $216.31 million in assets with $24.06 million in equity, resulting in a capitalization level of 11.12%, which is above average. |
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