Pacific Valley Bank

Pacific Valley Bank is headquartered in Salinas and is the 169^th largest bank in the state of California. It is also the 3,596^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 38 employees at 4 locations. Pacific Valley Bank has a 4-star health rating.

Pacific Valley Bank Routing Number: 121143833

Data for Q1 2012

Institution Statistics Pacific Valley Bank FDIC Certificate # 57740 BankRate Report View Year Established 2004 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $166.19 million Loans $125.98 million Deposits $143.77 million Equity Capital $19.67 million Loan Loss Allowance $4.12 million Unbacked Noncurrent Loans $4.33 million Real Estate Owned $367,000 Historic Data - March 2011 Assets $167.76 million Equity Capital $18.52 million Loan Loss Allowance $4.34 million Unbacked Noncurrent Loans $5.51 million Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 4.47% Return on Assets 0.72% Return on Equity 6.35% Interest Income $2.08 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 March 31, 2012 Pacific Valley Bank had $4.69 million in non-current loans and owned real-estate with $23.79 million in equity and loan loss allowances on hand to cover it. This gives Pacific Valley Bank a Texas Ratio of 19.73% 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 Pacific Valley Bank decreased slightly from 30.60% as of March 31, 2011 to 19.73% as of March 31, 2012, resulting in a positive change of 35.54%.This indicates that the balance sheet and financial strength for Pacific Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, Pacific Valley Bank has decreased its total deposits by -$2.64 million, resulting in -1.8% 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 Pacific Valley Bank has shown is below 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. Pacific Valley Bank has $166.19 million in assets with $23.79 million in equity, resulting in a capitalization level of 14.32%, which is excellent.

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