Institution Statistics
| West Valley National Bank | | FDIC Certificate # | 58426 | | BankRate Report | View | | Year Established | 2006 | | Employees | 13 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $42.70 million | | Loans | $27.82 million | | Deposits | $30.21 million | | Equity Capital | $10.30 million | | Loan Loss Allowance | $713,000 | | Real Estate Owned | $2.64 million |
Historic Data - March 2011 | | Assets | $37.21 million | | Equity Capital | $11.67 million | | Loan Loss Allowance | $622,000 | | Unbacked Noncurrent Loans | $574,000 | | Real Estate Owned | $3.11 million |
Profit Margin - Quarterly | | Net Interest Margin | 5.03% | | Return on Assets | -1.46% | | Return on Equity | -5.87% | | Interest Income | $493,000 |
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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 West Valley National Bank had $2.64 million in non-current loans and owned real-estate with $11.01 million in equity and loan loss allowances on hand to cover it. This gives West Valley National Bank a Texas Ratio of 24.01% 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 West Valley National Bank decreased slightly from 29.98% as of March 31, 2011 to 24.01% as of March 31, 2012, resulting in a positive change of 19.90%.This indicates that the balance sheet and financial strength for West Valley National Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, West Valley National Bank has increased its total deposits by $6.84 million, resulting in 29.28% 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 West Valley National 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. West Valley National Bank has $42.7 million in assets with $11.01 million in equity, resulting in a capitalization level of 25.78%, which is excellent. |
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Average User Rating:
Terrible Banking Exp.
I was a client of this bank and I would NOT recommend anyone to go there. There online banking is terrible. Also, there service is terrible. The employee turn over is very high. People come and go at this place. They had some good hard working employees leave because of the CEO. When the good employees leave so does the service. In speaking with a few of the employees there they are treated very poor by the CEO Candace W. and she loves to micro-manage them. It's either her way or the highway! She won't even listen to her employees suggestions because she thinks she is just so powerful and knows everything. If she continue to manage this bank and the employee turn over does NOT stabilize this bank will not be around in the next few years. STAY AWAY!!