Valley Green Bank

Valley Green Bank is headquartered in Philadelphia and is the 139^th largest bank in the state of Pennsylvania. It is also the 2,893^rd largest bank in the nation. It was established in 2005 and as of September of 2011, it had grown to 38 employees at 4 locations. Valley Green Bank's CD rates are 11% higher than the national average, and it boasts a 5-star health rating.

Valley Green Bank Routing Number: 036018888

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Data for Q3 2011

Institution Statistics Valley Green Bank FDIC Certificate # 58084 BankRate Report View Year Established 2005 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $217.18 million Loans $177.27 million Deposits $194.58 million Equity Capital $21.69 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $962,000 Historic Data - September 2010 Assets $161.61 million Equity Capital $12.56 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $2.17 million Real Estate Owned $807,000 Profit Margin - Quarterly Net Interest Margin 4.85% Return on Assets 0.79% Return on Equity 8.64% Interest Income $7.82 million

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 September 30, 2011 Valley Green Bank had $2.21 million in non-current loans and owned real-estate with $23.47 million in equity and loan loss allowances on hand to cover it. This gives Valley Green Bank a Texas Ratio of 9.41% 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 Green Bank decreased significantly from 21.44% as of September 30, 2010 to 9.41% as of September 30, 2011, resulting in a positive change of 56.13%.This indicates that the balance sheet and financial strength for Valley Green Bank has improved significantly in recent periods. Deposit Growth In the past year, Valley Green Bank has increased its total deposits by $46.34 million, resulting in 31.26% 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 Green Bank 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 Green Bank has $217.18 million in assets with $23.47 million in equity, resulting in a capitalization level of 10.81%, which is above average.

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