River Valley Financial Bank

River Valley Financial Bank is headquartered in Madison and is the 34^th largest bank in the state of Indiana. It is also the 1,650^th largest bank in the nation. It was established in 1875 and as of March of 2012, it had grown to 94 employees at 9 locations. River Valley Financial Bank's money market rates are 14% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics River Valley Financial Bank OTS # 01856 FDIC Certificate # 28565 BankRate Report View Year Established 1875 Employees 94 Primary Regulator OCC Assets and Liabilities Assets $403.88 million Loans $250.30 million Deposits $303.73 million Equity Capital $39.53 million Loan Loss Allowance $3.18 million Unbacked Noncurrent Loans $12.25 million Real Estate Owned $2.71 million Historic Data - March 2011 Assets $386.78 million Equity Capital $38.77 million Loan Loss Allowance $2.68 million Unbacked Noncurrent Loans $6.89 million Real Estate Owned $2.52 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets 0.67% Return on Equity 6.86% Interest Income $4.46 million

Institution Health Overall Score: 3 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 Financial Bank had $14.95 million in non-current loans and owned real-estate with $42.71 million in equity and loan loss allowances on hand to cover it. This gives River Valley Financial Bank a Texas Ratio of 35.01% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for River Valley Financial Bank increased slightly from 22.70% as of March 31, 2011 to 35.01% as of March 31, 2012, resulting in a negative change of 54.25%. This indicates that the balance sheet and financial strength for River Valley Financial Bank has declined slightly in recent periods. Deposit Growth In the past year, River Valley Financial Bank has increased its total deposits by $13.8 million, resulting in 4.76% 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 Financial Bank has shown is above 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 Financial Bank has $403.88 million in assets with $42.71 million in equity, resulting in a capitalization level of 10.57%, which is above average.

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