Bank of Rio Vista

Bank of Rio Vista is headquartered in Rio Vista and is the 160^th largest bank in the state of California. It is also the 3,370^th largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 40 employees at 3 locations. Bank of Rio Vista has a 4-star health rating.

Bank of Rio Vista Routing Number: 121106540

Data for Q4 2011

Institution Statistics Bank of Rio Vista FDIC Certificate # 8472 BankRate Report View Year Established 1904 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $180.10 million Loans $74.42 million Deposits $156.06 million Equity Capital $22.58 million Loan Loss Allowance $1.63 million Unbacked Noncurrent Loans $8.91 million Real Estate Owned $86,000 Historic Data - December 2010 Assets $175.80 million Equity Capital $21.21 million Loan Loss Allowance $2.93 million Unbacked Noncurrent Loans $14.93 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.37% Return on Equity 2.96% Interest Income $6.55 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 Bank of Rio Vista had $8.99 million in non-current loans and owned real-estate with $24.21 million in equity and loan loss allowances on hand to cover it. This gives Bank of Rio Vista a Texas Ratio of 37.13% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Rio Vista decreased slightly from 61.86% as of December 31, 2010 to 37.13% as of December 31, 2011, resulting in a positive change of 39.97%.This indicates that the balance sheet and financial strength for Bank of Rio Vista has improved slightly in recent periods. Deposit Growth In the past year, Bank of Rio Vista has increased its total deposits by $2.64 million, resulting in 1.72% 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 Rio Vista has shown is above 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. Bank of Rio Vista has $180.1 million in assets with $24.21 million in equity, resulting in a capitalization level of 13.44%, which is excellent.

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