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Overview / Commentary
360-693-6650
900 Washington, Suite 900
Vancouver, WA 98660

Riverview Community Bank is headquartered in Vancouver and is the 16st largest bank in the state of Washington. It is also the 830th largest bank in the nation. It was established in 1923 and as of March of 2014, it had grown to 219 employees at 18 locations. Riverview Community Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Riverview Community Bank had $21.76 million in non-current loans and owned real-estate with $133.45 million in equity and loan loss allowances on hand to cover it. This gives Riverview Community Bank a Texas Ratio of 16.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Riverview Community Bank decreased dramatically from 27.97% as of March 31, 2013 to 16.31% as of March 31, 2014, resulting in a positive change of 41.69%.This indicates that the balance sheet and financial strength for Riverview Community Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Riverview Community Bank has increased its total deposits by $26.22 million, resulting in 3.94% 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 excellent.

Capitalization

GRADE:
A+

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 $821.16 million in assets with $133.45 million in equity, resulting in a capitalization level of 16.25%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #29922
Year Established1923
Employees219
Primary RegulatorOCC
Assets and Liabilities
Assets$821.16 million
Loans$521.96 million
Deposits$691.00 million
Equity Capital$120.90 million
Loan Loss Allowance$12.55 million
Unbacked Noncurrent Loans$14.06 million
Real Estate Owned$7.70 million
Historic Data - March 2013
Assets$775.00 million
Equity Capital$102.28 million
Loan Loss Allowance$15.64 million
Unbacked Noncurrent Loans$14.06 million
Real Estate Owned$11.85 million
Profit Margin - Quarterly
Net Interest Margin3.48%
Return on Assets7.59%
Return on Equity54.47%
Interest Income$6.65 million
Rates

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Riverview Community Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$200-Savings

Riverview Community Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Market Plus
0.15%$100k-Business Plus
0.10%$50k-Money Market

Riverview Community Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$250k-High Yield Checking
0.05%$100-Interest Checking
0.05%$100-Non-Profit Checking

Riverview Community Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.01%$50k-84-120 Month CD
0.85%$50k-60-83 Month CD
0.60%$50k-36-59 Month CD
0.40%$50k-24-35 Month CD
0.30%$50k-18-23 Month CD
0.30%$50k-21 Month Bump CD Special
0.25%$50k-11 Month CD Special
0.20%$50k-12-17 Month CD
0.20%$100-18 Month Variable CD
0.20%$50k-8 Month CD Special
0.15%$50k-182-364 Day CD
0.15%$50k-4 Month CD Special
0.10%$50k-91 Day CD

Riverview Community Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.01%$50k-84-120 Monts IRA
0.85%$50k-60-83 Month IRA
0.60%$50k-36-59 Month IRA
0.40%$50k-24-35 Month IRA
0.30%$50k-18-23 Month IRA
0.20%$50k-12-17 Month IRA
0.20%$100-18 Month Variable IRA
0.15%$50k-182-364 Day IRA
0.10%$50k-91 Day IRA
Locations

Riverview Community Bank has 18 locations. Click to view all Riverview Community Bank locations.