American Riviera Bank

American Riviera Bank is headquartered in Santa Barbara and is the 159^th largest bank in the state of California. It is also the 3,481^st largest bank in the nation. It was established in 2006 and as of December of 2012, it had grown to 28 employees at 1 location. American Riviera Bank's savings rates are 19X the national average, and it boasts a 5-star health rating.

American Riviera Bank Routing Number: 122244333

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Data for Q4 2012

Institution Statistics American Riviera Bank FDIC Certificate # 58281 BankRate Report View Year Established 2006 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $171.41 million Loans $125.50 million Deposits $141.59 million Equity Capital $23.68 million Loan Loss Allowance $2.57 million Real Estate Owned $547,000 Historic Data - December 2011 Assets $142.24 million Equity Capital $22.28 million Loan Loss Allowance $2.54 million Real Estate Owned $3.55 million Profit Margin - Quarterly Net Interest Margin 5.27% Return on Assets 0.77% Return on Equity 5.21% Interest Income $7.95 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 December 31, 2012 American Riviera Bank had $547,000 in non-current loans and owned real-estate with $26.25 million in equity and loan loss allowances on hand to cover it. This gives American Riviera Bank a Texas Ratio of 2.08% 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 American Riviera Bank decreased significantly from 14.30% as of December 31, 2011 to 2.08% as of December 31, 2012, resulting in a positive change of 85.43%.This indicates that the balance sheet and financial strength for American Riviera Bank has improved significantly in recent periods. Deposit Growth In the past year, American Riviera Bank has increased its total deposits by $27.32 million, resulting in 23.91% 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 Riviera 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. American Riviera Bank has $171.41 million in assets with $26.25 million in equity, resulting in a capitalization level of 15.31%, which is excellent.

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