Value Bank Texas

Value Bank Texas is headquartered in Corpus Christi and is the 260^th largest bank in the state of Texas. It is also the 3,277^th largest bank in the nation. It was established in 1967 and as of March of 2012, it had grown to 105 employees at 10 locations. Value Bank Texas has a 5-star health rating.

Data for Q1 2012

Institution Statistics ValueBank Texas FDIC Certificate # 19700 BankRate Report View Year Established 1967 Employees 105 Primary Regulator FDIC Assets and Liabilities Assets $187.76 million Loans $93.81 million Deposits $167.82 million Equity Capital $17.32 million Loan Loss Allowance $1.44 million Real Estate Owned $1.02 million Historic Data - March 2011 Assets $163.72 million Equity Capital $16.58 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $442,000 Real Estate Owned $1.41 million Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 0.88% Return on Equity 9.26% Interest Income $1.88 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 March 31, 2012 Value Bank Texas had $1.02 million in non-current loans and owned real-estate with $18.75 million in equity and loan loss allowances on hand to cover it. This gives Value Bank Texas a Texas Ratio of 5.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Value Bank Texas decreased significantly from 10.25% as of March 31, 2011 to 5.43% as of March 31, 2012, resulting in a positive change of 47.06%.This indicates that the balance sheet and financial strength for Value Bank Texas has improved significantly in recent periods. Deposit Growth In the past year, Value Bank Texas has increased its total deposits by $23.18 million, resulting in 16.03% 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 Value Bank Texas 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. Value Bank Texas has $187.76 million in assets with $18.75 million in equity, resulting in a capitalization level of 9.99%, which is average.

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