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Overview / Commentary
855 Harter Parkway, Suite 100
Yuba City, CA 95991

Bank of Feather River is headquartered in Yuba City and is the 211st largest bank in the state of California. It is also the 5,644th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 16 employees at 2 locations. Bank of Feather River has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Bank of Feather River has a relatively low asset base.

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Feather River had $1.22 million in non-current loans and owned real-estate with $9.49 million in equity and loan loss allowances on hand to cover it. This gives Bank of Feather River a Texas Ratio of 12.90% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Bank of Feather River experienced no significant changes from 9.46% as of March 31, 2013 to 12.90% as of March 31, 2014, resulting in a negative change of 36.36%. This indicates that the balance sheet and financial strength for Bank of Feather River has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Bank of Feather River has increased its total deposits by $3.96 million, resulting in 7.92% 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 Bank of Feather River has shown is excellent.

Capitalization

GRADE:
A+

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. Bank of Feather River has $62.9 million in assets with $9.49 million in equity, resulting in a capitalization level of 15.08%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58630
Year Established2007
Employees16
Primary RegulatorFDIC
Assets and Liabilities
Assets$62.90 million
Loans$48.65 million
Deposits$53.92 million
Equity Capital$8.67 million
Loan Loss Allowance$821,000
Unbacked Noncurrent Loans$1.22 million
Real Estate Owned$0
Historic Data - March 2013
Assets$58.31 million
Equity Capital$8.00 million
Loan Loss Allowance$825,000
Unbacked Noncurrent Loans$1.22 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.72%
Return on Assets0.85%
Return on Equity6.14%
Interest Income$746,000
Rates

Sorry, we do not have rate data for Bank of Feather River

Locations


Bank of Feather River Locations
Bank Of Feather River Branch855 Harter Parkway Suite 100Yuba City, CA 95993
Bank Of Feather River855 Harter Parkway, Suite 100Yuba City, CA 95991