Oak Valley Community Bank

Oak Valley Community Bank is headquartered in Oakdale and is the 67^th largest bank in the state of California. It is also the 1,018^st largest bank in the nation. It was established in 1991 and as of December of 2012, it had grown to 130 employees at 15 locations. Oak Valley Community Bank has a 4-star health rating.

Oak Valley Community Bank Routing Number: 121142119

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Data for Q4 2012

Institution Statistics Oak Valley Community Bank FDIC Certificate # 33457 BankRate Report View Year Established 1991 Employees 130 Primary Regulator FED Assets and Liabilities Assets $660.45 million Loans $382.41 million Deposits $587.20 million Equity Capital $69.82 million Loan Loss Allowance $7.98 million Unbacked Noncurrent Loans $6.92 million Historic Data - December 2011 Assets $612.35 million Equity Capital $70.53 million Loan Loss Allowance $8.61 million Unbacked Noncurrent Loans $7.66 million Real Estate Owned $244,000 Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 0.98% Return on Equity 8.67% Interest Income $26.08 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, 2012 Oak Valley Community Bank had $6.92 million in non-current loans and owned real-estate with $77.8 million in equity and loan loss allowances on hand to cover it. This gives Oak Valley Community Bank a Texas Ratio of 8.90% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oak Valley Community Bank held steady from 9.98% as of December 31, 2011 to 8.90% as of December 31, 2012, resulting in a positive change of 10.89%.This indicates that the balance sheet and financial strength for Oak Valley Community Bank has held steady in recent periods. Deposit Growth In the past year, Oak Valley Community Bank has increased its total deposits by $50.97 million, resulting in 9.51% 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 Oak Valley Community 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. Oak Valley Community Bank has $660.45 million in assets with $77.8 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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