Valley Bank and Trust Co.

Valley Bank and Trust Co. is headquartered in Scottsbluff and is the 25^th largest bank in the state of Nebraska. It is also the 1,979^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 109 employees at 11 locations. Valley Bank and Trust Co. has a 4-star health rating.

Data for Q1 2012

Institution Statistics Valley Bank and Trust Co. FDIC Certificate # 34186 BankRate Report View Year Established 1996 Employees 109 Primary Regulator FDIC Assets and Liabilities Assets $329.06 million Loans $239.95 million Deposits $291.13 million Equity Capital $33.89 million Loan Loss Allowance $3.95 million Unbacked Noncurrent Loans $4.68 million Real Estate Owned $292,000 Historic Data - March 2011 Assets $331.66 million Equity Capital $34.34 million Loan Loss Allowance $3.79 million Unbacked Noncurrent Loans $3.05 million Real Estate Owned $1.30 million Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 0.91% Return on Equity 8.45% Interest Income $3.77 million

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 Valley Bank and Trust Co. had $4.97 million in non-current loans and owned real-estate with $37.84 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank and Trust Co. a Texas Ratio of 13.13% 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 Valley Bank and Trust Co. held steady from 11.41% as of March 31, 2011 to 13.13% as of March 31, 2012, resulting in a negative change of 15.07%. This indicates that the balance sheet and financial strength for Valley Bank and Trust Co. has held steady in recent periods. Deposit Growth In the past year, Valley Bank and Trust Co. has increased its total deposits by $382,000, resulting in 0.13% 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 Valley Bank and Trust Co. has shown is 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. Valley Bank and Trust Co. has $329.06 million in assets with $37.84 million in equity, resulting in a capitalization level of 11.50%, which is above average.

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