American River Bank

American River Bank is headquartered in Sacramento and is the 72^nd largest bank in the state of California. It is also the 1,143^rd largest bank in the nation. It was established in 1983 and as of December of 2011, it had grown to 110 employees at 12 locations. American River Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics American River Bank FDIC Certificate # 24655 BankRate Report View Year Established 1983 Employees 110 Primary Regulator FDIC Assets and Liabilities Assets $581.60 million Loans $294.18 million Deposits $467.44 million Equity Capital $89.55 million Loan Loss Allowance $7.04 million Unbacked Noncurrent Loans $13.42 million Real Estate Owned $8.19 million Historic Data - December 2010 Assets $577.41 million Equity Capital $84.80 million Loan Loss Allowance $7.59 million Unbacked Noncurrent Loans $22.57 million Real Estate Owned $2.70 million Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.49% Return on Equity 3.27% Interest Income $24.20 million

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 December 31, 2011 American River Bank had $21.61 million in non-current loans and owned real-estate with $96.59 million in equity and loan loss allowances on hand to cover it. This gives American River Bank a Texas Ratio of 22.38% 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 American River Bank decreased slightly from 27.35% as of December 31, 2010 to 22.38% as of December 31, 2011, resulting in a positive change of 18.19%.This indicates that the balance sheet and financial strength for American River Bank has improved slightly in recent periods. Deposit Growth In the past year, American River Bank has decreased its total deposits by -$3.84 million, resulting in -0.81% 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 American River Bank has shown is 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. American River Bank has $581.6 million in assets with $96.59 million in equity, resulting in a capitalization level of 16.61%, which is excellent.

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