Valley Bank (MT)

Valley Bank (MT) is headquartered in Glasgow and is the 63^rd largest bank in the state of Montana. It is also the 6,837^th largest bank in the nation. It was established in 1989 and as of March of 2012, it had grown to 12 employees at 1 location. Valley Bank (MT) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Valley Bank FDIC Certificate # 27518 BankRate Report View Year Established 1989 Employees 12 Primary Regulator FED Assets and Liabilities Assets $34.49 million Loans $18.75 million Deposits $31.38 million Equity Capital $2.81 million Loan Loss Allowance $319,000 Unbacked Noncurrent Loans $125,000 Real Estate Owned $276,000 Historic Data - March 2011 Assets $31.75 million Equity Capital $2.68 million Loan Loss Allowance $251,000 Real Estate Owned $430,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.35% Return on Equity 4.44% Interest Income $393,000

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 Valley Bank (MT) had $401,000 in non-current loans and owned real-estate with $3.13 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank (MT) a Texas Ratio of 12.82% 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 (MT) held steady from 14.78% as of March 31, 2011 to 12.82% as of March 31, 2012, resulting in a positive change of 13.28%.This indicates that the balance sheet and financial strength for Valley Bank (MT) has held steady in recent periods. Deposit Growth In the past year, Valley Bank (MT) has increased its total deposits by $2.54 million, resulting in 8.79% 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 (MT) 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. Valley Bank (MT) has $34.49 million in assets with $3.13 million in equity, resulting in a capitalization level of 9.07%, which is average.

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