Valley View Bank

Valley View Bank is headquartered in Overland Park and is the 11^st largest bank in the state of Kansas. It is also the 766^th largest bank in the nation. It was established in 1966 and as of December of 2012, it had grown to 143 employees at 10 locations. Valley View Bank has a 3-star health rating.

Valley View Bank Routing Number: 101015224

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Data for Q4 2012

Institution Statistics Valley View State Bank FDIC Certificate # 19631 BankRate Report View Year Established 1966 Employees 143 Primary Regulator FDIC Assets and Liabilities Assets $869.77 million Loans $325.91 million Deposits $709.01 million Equity Capital $112.70 million Loan Loss Allowance $14.26 million Unbacked Noncurrent Loans $37.38 million Real Estate Owned $30.33 million Historic Data - December 2011 Assets $868.91 million Equity Capital $110.11 million Loan Loss Allowance $13.68 million Unbacked Noncurrent Loans $24.16 million Real Estate Owned $38.78 million Profit Margin - Quarterly Net Interest Margin 2.56% Return on Assets 0.25% Return on Equity 1.97% Interest Income $28.48 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 December 31, 2012 Valley View Bank had $67.7 million in non-current loans and owned real-estate with $126.96 million in equity and loan loss allowances on hand to cover it. This gives Valley View Bank a Texas Ratio of 53.33% 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 View Bank held steady from 50.89% as of December 31, 2011 to 53.33% as of December 31, 2012, resulting in a negative change of 4.79%. This indicates that the balance sheet and financial strength for Valley View Bank has held steady in recent periods. Deposit Growth In the past year, Valley View Bank has decreased its total deposits by -$9.18 million, resulting in -1.28% 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 View 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 View Bank has $869.77 million in assets with $126.96 million in equity, resulting in a capitalization level of 14.60%, which is excellent.