Valley Business Bank

Valley Business Bank is headquartered in Visalia and is the 109^th largest bank in the state of California. It is also the 1,832^nd largest bank in the nation. It was established in 1996 and as of December of 2012, it had grown to 80 employees at 5 locations. Valley Business Bank has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Valley Business Bank FDIC Certificate # 34156 BankRate Report View Year Established 1996 Employees 80 Primary Regulator FDIC Assets and Liabilities Assets $359.99 million Loans $227.26 million Deposits $315.50 million Equity Capital $40.57 million Loan Loss Allowance $5.19 million Unbacked Noncurrent Loans $4.42 million Historic Data - December 2011 Assets $365.88 million Equity Capital $45.46 million Loan Loss Allowance $5.47 million Unbacked Noncurrent Loans $5.65 million Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 1.07% Return on Equity 9.3% Interest Income $14.70 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 December 31, 2012 Valley Business Bank had $4.42 million in non-current loans and owned real-estate with $45.76 million in equity and loan loss allowances on hand to cover it. This gives Valley Business Bank a Texas Ratio of 9.66% 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 Business Bank decreased slightly from 13.33% as of December 31, 2011 to 9.66% as of December 31, 2012, resulting in a positive change of 27.48%.This indicates that the balance sheet and financial strength for Valley Business Bank has improved slightly in recent periods. Deposit Growth In the past year, Valley Business Bank has decreased its total deposits by $-512,000, resulting in -0.16% 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 Business Bank 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 Business Bank has $359.99 million in assets with $45.76 million in equity, resulting in a capitalization level of 12.71%, which is excellent.

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