Riverside Community Bank

Riverside Community Bank is headquartered in Rockford and is the 123^rd largest bank in the state of Illinois. It is also the 1,913^st largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 59 employees at 4 locations. Riverside Community Bank has a 4-star health rating.

Riverside Community Bank Routing Number: 071925554

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Data for Q1 2012

Institution Statistics Riverside Community Bank FDIC Certificate # 34076 BankRate Report View Year Established 1995 Employees 59 Primary Regulator FDIC Assets and Liabilities Assets $343.23 million Loans $150.83 million Deposits $286.53 million Equity Capital $27.17 million Loan Loss Allowance $3.21 million Unbacked Noncurrent Loans $5.18 million Real Estate Owned $3.91 million Historic Data - March 2011 Assets $302.06 million Equity Capital $23.97 million Loan Loss Allowance $3.69 million Unbacked Noncurrent Loans $10.44 million Real Estate Owned $1.63 million Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 0.44% Return on Equity 5.51% Interest Income $3.06 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 Riverside Community Bank had $9.09 million in non-current loans and owned real-estate with $30.38 million in equity and loan loss allowances on hand to cover it. This gives Riverside Community Bank a Texas Ratio of 29.92% 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 Riverside Community Bank decreased slightly from 46.26% as of March 31, 2011 to 29.92% as of March 31, 2012, resulting in a positive change of 35.32%.This indicates that the balance sheet and financial strength for Riverside Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Riverside Community Bank has increased its total deposits by $40.89 million, resulting in 16.65% 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 Riverside 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. Riverside Community Bank has $343.23 million in assets with $30.38 million in equity, resulting in a capitalization level of 8.85%, which is average.

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