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Overview / Commentary
190 Cohasset Road, Suite 170
Chico, CA 95926

Golden Valley Bank is headquartered in Chico and is the 169th largest bank in the state of California. It is also the 3,700th largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 28 employees at 1 location. Golden Valley Bank has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 Golden Valley Bank had $141,000 in non-current loans and owned real-estate with $19.74 million in equity and loan loss allowances on hand to cover it. This gives Golden Valley Bank a Texas Ratio of 0.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Golden Valley Bank decreased dramatically from 1.37% as of March 31, 2013 to 0.71% as of March 31, 2014, resulting in a positive change of 48.03%.This indicates that the balance sheet and financial strength for Golden Valley Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Golden Valley Bank has increased its total deposits by $20.58 million, resulting in 18.45% 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 Golden Valley Bank 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. Golden Valley Bank has $151.16 million in assets with $19.74 million in equity, resulting in a capitalization level of 13.06%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58278
Year Established2006
Employees28
Primary RegulatorFDIC
Assets and Liabilities
Assets$151.16 million
Loans$94.07 million
Deposits$132.13 million
Equity Capital$17.94 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$141,000
Real Estate Owned$0
Historic Data - March 2013
Assets$129.57 million
Equity Capital$17.15 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$141,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.85%
Return on Equity7.2%
Interest Income$1.45 million
Rates

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Locations


Golden Valley Bank Locations
Golden Valley Bank190 Cohasset Road, Suite 170Chico, CA 95926