Sutter Community Bank

Sutter Community Bank is headquartered in Yuba City and is the 239^th largest bank in the state of California. It is also the 5,810^st largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 17 employees at 1 location. Sutter Community Bank has a 5-star health rating.

Sutter Community Bank Routing Number: 121144256

Data for Q1 2012

Institution Statistics Sutter Community Bank FDIC Certificate # 58221 BankRate Report View Year Established 2006 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $68.55 million Loans $55.74 million Deposits $59.81 million Equity Capital $8.46 million Loan Loss Allowance $1.17 million Real Estate Owned $1.39 million Historic Data - March 2011 Assets $64.65 million Equity Capital $7.43 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.68 million Real Estate Owned $1.85 million Profit Margin - Quarterly Net Interest Margin 5.3% Return on Assets 0.76% Return on Equity 6.05% Interest Income $873,000

Institution Health Overall Score: 5 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 Sutter Community Bank had $1.39 million in non-current loans and owned real-estate with $9.63 million in equity and loan loss allowances on hand to cover it. This gives Sutter Community Bank a Texas Ratio of 14.48% 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 Sutter Community Bank decreased significantly from 42.72% as of March 31, 2011 to 14.48% as of March 31, 2012, resulting in a positive change of 66.11%.This indicates that the balance sheet and financial strength for Sutter Community Bank has improved significantly in recent periods. Deposit Growth In the past year, Sutter Community Bank has increased its total deposits by $3.29 million, resulting in 5.82% 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 Sutter Community 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. Sutter Community Bank has $68.55 million in assets with $9.63 million in equity, resulting in a capitalization level of 14.05%, which is excellent.

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