Valley Bank and Trust

Valley Bank and Trust is headquartered in Brighton and is the 29^th largest bank in the state of Colorado. It is also the 2,596^th largest bank in the nation. It was established in 1978 and as of March of 2012, it had grown to 97 employees at 10 locations. Valley Bank and Trust's savings rates are 35% higher than the national average, but it has a 2-star health rating.

Valley Bank and Trust Routing Number: 107005445

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Data for Q1 2012

Institution Statistics Valley Bank & Trust FDIC Certificate # 25651 BankRate Report View Year Established 1978 Employees 97 Primary Regulator FDIC Assets and Liabilities Assets $247.09 million Loans $122.16 million Deposits $223.80 million Equity Capital $21.97 million Loan Loss Allowance $2.84 million Unbacked Noncurrent Loans $12.67 million Real Estate Owned $7.40 million Historic Data - March 2011 Assets $236.43 million Equity Capital $21.47 million Loan Loss Allowance $2.59 million Unbacked Noncurrent Loans $6.75 million Real Estate Owned $9.57 million Profit Margin - Quarterly Net Interest Margin 4.55% Return on Assets -1.32% Return on Equity -14.45% Interest Income $2.63 million

Institution Health Overall Score: 2 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 had $20.07 million in non-current loans and owned real-estate with $24.81 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank and Trust a Texas Ratio of 80.90% which is poor. 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 increased slightly from 67.83% as of March 31, 2011 to 80.90% as of March 31, 2012, resulting in a negative change of 19.26%. This indicates that the balance sheet and financial strength for Valley Bank and Trust has declined slightly in recent periods. Deposit Growth In the past year, Valley Bank and Trust has increased its total deposits by $10.14 million, resulting in 4.74% 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 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. Valley Bank and Trust has $247.09 million in assets with $24.81 million in equity, resulting in a capitalization level of 10.04%, which is above average.

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