Valley Bank

Valley Bank is headquartered in Roanoke and is the 29^th largest bank in the state of Virginia. It is also the 883^rd largest bank in the nation. It was established in 1995 and as of September of 2011, it had grown to 130 employees at 8 locations. Valley Bank's savings rates are 37% higher than the national average, and it has a 3-star health rating.

Valley Bank Routing Number: 051405450

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Data for Q3 2011

Institution Statistics Valley Bank FDIC Certificate # 34019 BankRate Report View Year Established 1995 Employees 130 Primary Regulator FED Assets and Liabilities Assets $751.33 million Loans $500.06 million Deposits $610.75 million Equity Capital $69.89 million Loan Loss Allowance $10.01 million Unbacked Noncurrent Loans $11.09 million Real Estate Owned $17.87 million Historic Data - September 2010 Assets $779.97 million Equity Capital $65.26 million Loan Loss Allowance $10.67 million Unbacked Noncurrent Loans $17.26 million Real Estate Owned $18.61 million Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 0.74% Return on Equity 8.6% Interest Income $24.85 million

Institution Health Overall Score: 3 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 September 30, 2011 Valley Bank had $28.95 million in non-current loans and owned real-estate with $79.9 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank a Texas Ratio of 36.24% which is below 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 decreased slightly from 47.23% as of September 30, 2010 to 36.24% as of September 30, 2011, resulting in a positive change of 23.28%.This indicates that the balance sheet and financial strength for Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Valley Bank has decreased its total deposits by -$20.42 million, resulting in -3.24% 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 has shown is below 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 has $751.33 million in assets with $79.9 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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