Tri-Valley Bank (CA)

Tri-Valley Bank (CA) is headquartered in San Ramon and is the 238^th largest bank in the state of California. It is also the 5,431^st largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 20 employees at 2 locations. Tri-Valley Bank (CA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Tri-Valley Bank FDIC Certificate # 58004 BankRate Report View Year Established 2005 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $81.77 million Loans $55.18 million Deposits $70.21 million Equity Capital $7.38 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $2.28 million Historic Data - March 2011 Assets $71.71 million Equity Capital $4.82 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $5.72 million Real Estate Owned $795,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets -2.03% Return on Equity -21.98% Interest Income $729,000

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 Tri-Valley Bank (CA) had $4.25 million in non-current loans and owned real-estate with $9.05 million in equity and loan loss allowances on hand to cover it. This gives Tri-Valley Bank (CA) a Texas Ratio of 46.99% 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 Tri-Valley Bank (CA) decreased significantly from 85.93% as of March 31, 2011 to 46.99% as of March 31, 2012, resulting in a positive change of 45.31%.This indicates that the balance sheet and financial strength for Tri-Valley Bank (CA) has improved significantly in recent periods. Deposit Growth In the past year, Tri-Valley Bank (CA) has increased its total deposits by $12.49 million, resulting in 21.63% 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 Tri-Valley Bank (CA) 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. Tri-Valley Bank (CA) has $81.77 million in assets with $9.05 million in equity, resulting in a capitalization level of 11.07%, which is above average.

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