Community Valley Bank

Community Valley Bank is headquartered in El Centro and is the 234^th largest bank in the state of California. It is also the 5,232^nd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 25 employees at 2 locations. Community Valley Bank has a 5-star health rating.

Community Valley Bank Routing Number: 122244676

Data for Q1 2012

Institution Statistics Community Valley Bank FDIC Certificate # 58500 BankRate Report View Year Established 2007 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $89.38 million Loans $55.24 million Deposits $77.68 million Equity Capital $10.60 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $887,000 Historic Data - March 2011 Assets $66.54 million Equity Capital $7.73 million Loan Loss Allowance $1,000,000 Unbacked Noncurrent Loans $1.01 million Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 0.21% Return on Equity 1.74% Interest Income $1.02 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 March 31, 2012 Community Valley Bank had $887,000 in non-current loans and owned real-estate with $11.72 million in equity and loan loss allowances on hand to cover it. This gives Community Valley Bank a Texas Ratio of 7.57% 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 Community Valley Bank decreased slightly from 11.58% as of March 31, 2011 to 7.57% as of March 31, 2012, resulting in a positive change of 34.66%.This indicates that the balance sheet and financial strength for Community Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Community Valley Bank has increased its total deposits by $20.76 million, resulting in 36.48% 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 Community Valley 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. Community Valley Bank has $89.38 million in assets with $11.72 million in equity, resulting in a capitalization level of 13.11%, which is excellent.

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