Scott Valley Bank

Scott Valley Bank is headquartered in Yreka and is the 81^st largest bank in the state of California. It is also the 1,242^nd largest bank in the nation. It was established in 1912 and as of December of 2012, it had grown to 112 employees at 12 locations. Scott Valley Bank has a 4-star health rating.

Scott Valley Bank Routing Number: 121106252

Data for Q4 2012

Institution Statistics Scott Valley Bank FDIC Certificate # 10781 BankRate Report View Year Established 1912 Employees 112 Primary Regulator FDIC Assets and Liabilities Assets $539.73 million Loans $269.83 million Deposits $474.27 million Equity Capital $58.91 million Loan Loss Allowance $5.26 million Unbacked Noncurrent Loans $4.79 million Real Estate Owned $8.57 million Historic Data - December 2011 Assets $477.22 million Equity Capital $57.28 million Loan Loss Allowance $5.47 million Unbacked Noncurrent Loans $947,000 Real Estate Owned $9.74 million Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 0.67% Return on Equity 5.89% Interest Income $19.72 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 December 31, 2012 Scott Valley Bank had $13.36 million in non-current loans and owned real-estate with $64.17 million in equity and loan loss allowances on hand to cover it. This gives Scott Valley Bank a Texas Ratio of 20.81% 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 17.03% as of December 31, 2011 to 20.81% as of December 31, 2012, resulting in a negative change of 22.19%. 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 $81.98 million, resulting in 20.9% 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 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. Scott Valley Bank has $539.73 million in assets with $64.17 million in equity, resulting in a capitalization level of 11.89%, which is above average.

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