Valley Bank & Trust

Valley Bank & Trust is headquartered in Mapleton and is the 245^th largest bank in the state of Iowa. It is also the 5,690^th largest bank in the nation. It was established in 1878 and as of March of 2012, it had grown to 15 employees at 2 locations. Valley Bank & Trust has a 5-star health rating.

Valley Bank & Trust Routing Number: 073906034

Data for Q1 2012

Institution Statistics Valley Bank & Trust FDIC Certificate # 251 BankRate Report View Year Established 1878 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $72.98 million Loans $36.01 million Deposits $61.71 million Equity Capital $10.28 million Loan Loss Allowance $335,000 Real Estate Owned $270,000 Historic Data - March 2011 Assets $67.19 million Equity Capital $9.79 million Loan Loss Allowance $282,000 Real Estate Owned $280,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 1.48% Return on Equity 10.47% Interest Income $728,000

Institution Health Overall Score: 5 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 & Trust had $270,000 in non-current loans and owned real-estate with $10.62 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank & Trust a Texas Ratio of 2.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Valley Bank & Trust held steady from 2.78% as of March 31, 2011 to 2.54% as of March 31, 2012, resulting in a positive change of 8.53%.This indicates that the balance sheet and financial strength for Valley Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Valley Bank & Trust has increased its total deposits by $5.37 million, resulting in 9.54% 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 & Trust 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 & Trust has $72.98 million in assets with $10.62 million in equity, resulting in a capitalization level of 14.55%, which is excellent.

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