Central Valley Bank

Central Valley Bank is headquartered in Toppenish and is the 38^th largest bank in the state of Washington. It is also the 3,571^st largest bank in the nation. It was established in 1962 and as of March of 2012, it had grown to 40 employees at 6 locations. Central Valley Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Central Valley Bank FDIC Certificate # 18616 BankRate Report View Year Established 1962 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $167.79 million Loans $116.43 million Deposits $149.37 million Equity Capital $17.21 million Loan Loss Allowance $3.10 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $1.24 million Historic Data - March 2011 Assets $160.01 million Equity Capital $16.25 million Loan Loss Allowance $2.61 million Unbacked Noncurrent Loans $1.49 million Real Estate Owned $118,000 Profit Margin - Quarterly Net Interest Margin 5.33% Return on Assets 1.53% Return on Equity 15% Interest Income $2.22 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 March 31, 2012 Central Valley Bank had $3.16 million in non-current loans and owned real-estate with $20.31 million in equity and loan loss allowances on hand to cover it. This gives Central Valley Bank a Texas Ratio of 15.56% 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 Central Valley Bank held steady from 12.66% as of March 31, 2011 to 15.56% as of March 31, 2012, resulting in a negative change of 22.93%. This indicates that the balance sheet and financial strength for Central Valley Bank has held steady in recent periods. Deposit Growth In the past year, Central Valley Bank has increased its total deposits by $6.57 million, resulting in 4.6% 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 Central Valley Bank 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. Central Valley Bank has $167.78 million in assets with $20.31 million in equity, resulting in a capitalization level of 12.11%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.