Riverview Community Bank

Riverview Community Bank is headquartered in Vancouver and is the 17^st largest bank in the state of Washington. It is also the 867^th largest bank in the nation. It was established in 1923 and as of March of 2013, it had grown to 238 employees at 18 locations. Riverview Community Bank has a 4-star health rating.

Riverview Community Bank Routing Number: 323370666

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Data for Q1 2013

Institution Statistics Riverview Community Bank OTS # 04347 FDIC Certificate # 29922 BankRate Report View Year Established 1923 Employees 238 Primary Regulator OCC Assets and Liabilities Assets $775.00 million Loans $521.20 million Deposits $664.78 million Equity Capital $102.28 million Loan Loss Allowance $15.64 million Unbacked Noncurrent Loans $21.13 million Real Estate Owned $11.85 million Historic Data - March 2012 Assets $851.55 million Equity Capital $96.35 million Loan Loss Allowance $19.92 million Unbacked Noncurrent Loans $44.16 million Real Estate Owned $18.73 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.75% Return on Equity 5.79% Interest Income $7.07 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, 2013 Riverview Community Bank had $32.99 million in non-current loans and owned real-estate with $117.92 million in equity and loan loss allowances on hand to cover it. This gives Riverview Community Bank a Texas Ratio of 27.97% 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 Riverview Community Bank decreased significantly from 54.09% as of March 31, 2012 to 27.97% as of March 31, 2013, resulting in a positive change of 48.29%.This indicates that the balance sheet and financial strength for Riverview Community Bank has improved significantly in recent periods. Deposit Growth In the past year, Riverview Community Bank has decreased its total deposits by -$80.7 million, resulting in -10.83% 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 Riverview Community Bank has shown is poor. 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. Riverview Community Bank has $775 million in assets with $117.92 million in equity, resulting in a capitalization level of 15.22%, which is excellent.

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