Visalia Community Bank

Visalia Community Bank is headquartered in Visalia and is the 148^th largest bank in the state of California. It is also the 3,088^th largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 69 employees at 5 locations. Visalia Community Bank has a 4-star health rating.

Visalia Community Bank Routing Number: 121136675

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Data for Q1 2012

Institution Statistics Visalia Community Bank FDIC Certificate # 22496 BankRate Report View Year Established 1977 Employees 69 Primary Regulator FDIC Assets and Liabilities Assets $202.22 million Loans $125.18 million Deposits $176.32 million Equity Capital $18.86 million Loan Loss Allowance $2.99 million Unbacked Noncurrent Loans $3.93 million Real Estate Owned $656,000 Historic Data - March 2011 Assets $204.36 million Equity Capital $18.34 million Loan Loss Allowance $3.22 million Unbacked Noncurrent Loans $4.77 million Real Estate Owned $1.38 million Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 0.42% Return on Equity 4.45% Interest Income $1.91 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 Visalia Community Bank had $4.58 million in non-current loans and owned real-estate with $21.85 million in equity and loan loss allowances on hand to cover it. This gives Visalia Community Bank a Texas Ratio of 20.97% 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 Visalia Community Bank decreased slightly from 28.74% as of March 31, 2011 to 20.97% as of March 31, 2012, resulting in a positive change of 27.03%.This indicates that the balance sheet and financial strength for Visalia Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Visalia Community Bank has decreased its total deposits by -$1.09 million, resulting in -0.61% 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 Visalia Community Bank has shown is 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. Visalia Community Bank has $202.22 million in assets with $21.85 million in equity, resulting in a capitalization level of 10.81%, which is above average.

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