Sierra Vista Bank

Sierra Vista Bank is headquartered in Folsom and is the 237^th largest bank in the state of California. It is also the 5,409^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 23 employees at 2 locations. Sierra Vista Bank has a 2-star health rating.

Sierra Vista Bank Routing Number: 121144557

Data for Q1 2012

Institution Statistics Sierra Vista Bank FDIC Certificate # 58438 BankRate Report View Year Established 2007 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $82.72 million Loans $55.18 million Deposits $72.92 million Equity Capital $7.41 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $3.12 million Real Estate Owned $1.58 million Historic Data - March 2011 Assets $83.90 million Equity Capital $7.88 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $3.16 million Real Estate Owned $391,000 Profit Margin - Quarterly Net Interest Margin 5% Return on Assets -3.42% Return on Equity -35.78% Interest Income $1.01 million

Institution Health Overall Score: 2 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 Sierra Vista Bank had $4.7 million in non-current loans and owned real-estate with $9.38 million in equity and loan loss allowances on hand to cover it. This gives Sierra Vista Bank a Texas Ratio of 50.13% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sierra Vista Bank increased slightly from 36.60% as of March 31, 2011 to 50.13% as of March 31, 2012, resulting in a negative change of 36.99%. This indicates that the balance sheet and financial strength for Sierra Vista Bank has declined slightly in recent periods. Deposit Growth In the past year, Sierra Vista Bank has decreased its total deposits by -$1.65 million, resulting in -2.21% 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 Sierra Vista Bank has shown is below 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. Sierra Vista Bank has $82.72 million in assets with $9.38 million in equity, resulting in a capitalization level of 11.34%, which is above average.

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