Riverbend Bank

Riverbend Bank is headquartered in Fort Worth and is the 525^th largest bank in the state of Texas. It is also the 6,465^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 17 employees at 2 locations. Riverbend Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Riverbend Bank FDIC Certificate # 26708 BankRate Report View Year Established 1986 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $46.90 million Loans $27.51 million Deposits $41.51 million Equity Capital $4.83 million Loan Loss Allowance $434,000 Real Estate Owned $1.11 million Historic Data - March 2011 Assets $42.56 million Equity Capital $4.40 million Loan Loss Allowance $434,000 Real Estate Owned $1.21 million Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 1.4% Return on Equity 13.26% Interest Income $421,000

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 Riverbend Bank had $1.1 million in non-current loans and owned real-estate with $5.27 million in equity and loan loss allowances on hand to cover it. This gives Riverbend Bank a Texas Ratio of 20.98% 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 Riverbend Bank decreased slightly from 24.94% as of March 31, 2011 to 20.98% as of March 31, 2012, resulting in a positive change of 15.87%.This indicates that the balance sheet and financial strength for Riverbend Bank has improved slightly in recent periods. Deposit Growth In the past year, Riverbend Bank has increased its total deposits by $3.94 million, resulting in 10.49% 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 Riverbend 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. Riverbend Bank has $46.9 million in assets with $5.27 million in equity, resulting in a capitalization level of 11.23%, which is above average.

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