Saddle River Valley Bank

Saddle River Valley Bank is headquartered in Saddle River and is the 104^th largest bank in the state of New Jersey. It is also the 4,757^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 15 employees at 2 locations. Saddle River Valley Bank's savings rates are 54% higher than the national average, and it has a 4-star health rating.

Saddle River Valley Bank Routing Number: 021272749

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Data for Q1 2012

Institution Statistics Saddle River Valley Bank OTS # 17988 FDIC Certificate # 57936 BankRate Report View Year Established 2006 Employees 15 Primary Regulator OCC Assets and Liabilities Assets $108.37 million Loans $53.25 million Deposits $94.59 million Equity Capital $12.93 million Loan Loss Allowance $690,000 Unbacked Noncurrent Loans $1.85 million Historic Data - March 2011 Assets $88.68 million Equity Capital $16.45 million Loan Loss Allowance $549,000 Unbacked Noncurrent Loans $797,000 Profit Margin - Quarterly Net Interest Margin 3.24% Return on Assets -2.34% Return on Equity -20.64% Interest Income $1.08 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 Saddle River Valley Bank had $1.85 million in non-current loans and owned real-estate with $13.62 million in equity and loan loss allowances on hand to cover it. This gives Saddle River Valley Bank a Texas Ratio of 13.58% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Saddle River Valley Bank increased slightly from 4.69% as of March 31, 2011 to 13.58% as of March 31, 2012, resulting in a negative change of 189.72%. This indicates that the balance sheet and financial strength for Saddle River Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, Saddle River Valley Bank has increased its total deposits by $22.74 million, resulting in 31.66% 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 Saddle River Valley 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. Saddle River Valley Bank has $108.36 million in assets with $13.62 million in equity, resulting in a capitalization level of 12.57%, which is excellent.

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