PERFORMANCE

Valley State Bank Performance

Banking regulators evaluate bank performance and
financial strength using the 'CAMELS' rating system.

CAMELS System
C CAPITAL STRENGTH
A ASSET QUALITY
M MANAGEMENT
E EARNINGS
L LIQUIDITY
S SENSITIVITY TO INTEREST RATE RISK

Banks are required to report financial data quarterly to the Federal Deposit Insurance Corporation and other governmental agencies. These reports are referred to as CALL reports. A summary of our most recent call report is available on the FDIC's Home Page which contains financial information of all banks in America.