River Valley Community Bank

River Valley Community Bank is headquartered in Yuba City and is the 186^th largest bank in the state of California. It is also the 4,004^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 20 employees at 1 location. River Valley Community Bank has a 5-star health rating.

River Valley Community Bank Routing Number: 121144324

Data for Q1 2012

Institution Statistics River Valley Community Bank FDIC Certificate # 58276 BankRate Report View Year Established 2006 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $142.89 million Loans $48.57 million Deposits $124.11 million Equity Capital $18.47 million Loan Loss Allowance $1.60 million Real Estate Owned $134,000 Historic Data - March 2011 Assets $142.84 million Equity Capital $16.47 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $203,000 Real Estate Owned $657,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 0.95% Return on Equity 7.31% Interest Income $1.25 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 River Valley Community Bank had $134,000 in non-current loans and owned real-estate with $20.07 million in equity and loan loss allowances on hand to cover it. This gives River Valley Community Bank a Texas Ratio of 0.67% 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 River Valley Community Bank decreased significantly from 4.78% as of March 31, 2011 to 0.67% as of March 31, 2012, resulting in a positive change of 86.02%.This indicates that the balance sheet and financial strength for River Valley Community Bank has improved significantly in recent periods. Deposit Growth In the past year, River Valley Community Bank has decreased its total deposits by -$1.71 million, resulting in -1.36% 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 River Valley Community 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. River Valley Community Bank has $142.89 million in assets with $20.07 million in equity, resulting in a capitalization level of 14.04%, which is excellent.

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