American Riviera Bank

American Riviera Bank is headquartered in Santa Barbara and is the 183^rd largest bank in the state of California. It is also the 4,001^st largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 21 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 2011

Institution Statistics American Riviera Bank FDIC Certificate # 58281 BankRate Report View Year Established 2006 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $142.24 million Loans $105.48 million Deposits $114.26 million Equity Capital $22.28 million Loan Loss Allowance $2.54 million Real Estate Owned $3.55 million Historic Data - December 2010 Assets $139.54 million Equity Capital $18.81 million Loan Loss Allowance $3.17 million Unbacked Noncurrent Loans $4.61 million Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets 2.4% Return on Equity 16.25% Interest Income $7.06 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, 2011 American Riviera Bank had $3.55 million in non-current loans and owned real-estate with $24.82 million in equity and loan loss allowances on hand to cover it. This gives American Riviera Bank a Texas Ratio of 14.30% which is above average. 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 slightly from 20.97% as of December 31, 2010 to 14.30% as of December 31, 2011, resulting in a positive change of 31.80%.This indicates that the balance sheet and financial strength for American Riviera Bank has improved slightly in recent periods. Deposit Growth In the past year, American Riviera Bank has increased its total deposits by $5.52 million, resulting in 5.07% 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 $142.24 million in assets with $24.82 million in equity, resulting in a capitalization level of 17.45%, which is excellent.

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