Scott Valley Bank

515 South Broadway
Yreka, CA 96097
www.scottvalleybank.com

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Scott Valley Bank is headquartered in Yreka and is the 85^th largest bank in the state of California. It is also the 1,379^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 109 employees at 13 locations. Scott Valley Bank's money market rates are 25% higher than the national average, and it has a 4-star health rating.

Scott Valley Bank Routing Number: 121106252

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See Rates for: Checking | Savings | Money Market | CD | IRA

Scott Valley Bank Checking Account Rates

	Apy	Min	Max	Product
	0.20%	$100k	-	Interest Checking

Scott Valley Bank Savings Account Rates

Apy	Min	Max	Product
0.20%	$100k	-	Tiered Statement Savings
0.10%	-	-	Statement Savings

Scott Valley Bank Money Market Rates

Apy	Min	Max	Product
0.55%	$1m	-	Business Guardian
0.50%	$1m	-	Business Money Market
0.45%	$100k	-	Personal Money Market

Scott Valley Bank CD Rates

Apy	Min	Max	Product
0.85%	$100k	-	2 Year Traditional CD
0.85%	$100k	-	3 Year Traditional CD
0.85%	$100k	-	4 Year Traditional CD
0.85%	$100k	-	5 Year Traditional CD
0.75%	$25k	-	18 Month Traditional CD
0.65%	$100k	-	1 Year Traditional CD
0.60%	$25k	-	18 Month Optimizer CD
0.45%	$25k	-	1 Year Optimizer CD
0.40%	$25k	-	180-364 Day Traditional CD
0.30%	$100k	-	90-179 Day Traditional CD
0.25%	$25k	-	180-364 Day Optimizer CD
0.20%	$25k	-	30-89 Day Traditional CD

Scott Valley Bank IRA Rates

Apy	Min	Max	Product
0.85%	$100k	-	2 Year Traditional IRA
0.85%	$100k	-	3 Year Traditional IRA
0.85%	$100k	-	4 Year Traditional IRA
0.85%	$100k	-	5 Year Traditional IRA
0.75%	$25k	-	18 Month Traditional IRA
0.65%	$100k	-	1 Year Traditional IRA
0.40%	$25k	-	180-364 Day Traditional IRA
0.30%	$100k	-	90-179 Day Traditional IRA
0.20%	$25k	-	30-89 Day Traditional IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Scott Valley Bank
FDIC Certificate #	10781
BankRate Report	View
Year Established	1912
Employees	109
Primary Regulator	FDIC
Assets and Liabilities
Assets	$491.44 million
Loans	$258.57 million
Deposits	$407.95 million
Equity Capital	$56.60 million
Loan Loss Allowance	$5.53 million
Unbacked Noncurrent Loans	$3.13 million
Real Estate Owned	$9.64 million
Historic Data - March 2011
Assets	$472.63 million
Equity Capital	$54.32 million
Loan Loss Allowance	$5.12 million
Unbacked Noncurrent Loans	$2.69 million
Real Estate Owned	$9.74 million
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	0.58%
Return on Equity	4.95%
Interest Income	$4.93 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 Scott Valley Bank had $12.77 million in non-current loans and owned real-estate with $62.13 million in equity and loan loss allowances on hand to cover it. This gives Scott Valley Bank a Texas Ratio of 20.55% 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 Scott Valley Bank held steady from 20.91% as of March 31, 2011 to 20.55% as of March 31, 2012, resulting in a positive change of 1.72%.This indicates that the balance sheet and financial strength for Scott Valley Bank has held steady in recent periods.
Deposit Growth
In the past year, Scott Valley Bank has increased its total deposits by $11.56 million, resulting in 2.92% 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 Scott Valley Bank has shown is above average.
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. Scott Valley Bank has $491.44 million in assets with $62.13 million in equity, resulting in a capitalization level of 12.64%, which is excellent.

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