Institution Statistics
| Valley Business Bank | | FDIC Certificate # | 34156 | | BankRate Report | View | | Year Established | 1996 | | Employees | 81 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $349.42 million | | Loans | $216.97 million | | Deposits | $308.24 million | | Equity Capital | $38.02 million | | Loan Loss Allowance | $5.47 million | | Unbacked Noncurrent Loans | $5.74 million | | Real Estate Owned | $1.14 million |
Historic Data - March 2011 | | Assets | $344.38 million | | Equity Capital | $42.09 million | | Loan Loss Allowance | $6.93 million | | Unbacked Noncurrent Loans | $7.19 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.55% | | Return on Assets | 1.11% | | Return on Equity | 9.51% | | Interest Income | $3.74 million |
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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 Business Bank had $6.88 million in non-current loans and owned real-estate with $43.49 million in equity and loan loss allowances on hand to cover it. This gives Valley Business Bank a Texas Ratio of 15.83% which is 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 held steady from 14.63% as of March 31, 2011 to 15.83% as of March 31, 2012, resulting in a negative change of 8.16%. This indicates that the balance sheet and financial strength for Valley Business Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Valley Business Bank has increased its total deposits by $11.25 million, resulting in 3.79% 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 Business Bank 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 Business Bank has $349.42 million in assets with $43.49 million in equity, resulting in a capitalization level of 12.45%, which is excellent. |
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