VistaBank

VistaBank is headquartered in Aiken and is the 56^th largest bank in the state of South Carolina. It is also the 4,798^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 25 employees at 3 locations. VistaBank has a 1-star health rating.

VistaBank Routing Number: 053208231

Data for Q1 2012

Institution Statistics VistaBank FDIC Certificate # 58650 BankRate Report View Year Established 2008 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $106.02 million Loans $83.74 million Deposits $94.12 million Equity Capital $7.67 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $7.65 million Real Estate Owned $812,000 Historic Data - March 2011 Assets $115.60 million Equity Capital $9.49 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $3.32 million Real Estate Owned $266,000 Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets -0.94% Return on Equity -12.86% Interest Income $1.15 million

Institution Health Overall Score: 1 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 VistaBank had $8.46 million in non-current loans and owned real-estate with $9.54 million in equity and loan loss allowances on hand to cover it. This gives VistaBank a Texas Ratio of 88.68% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for VistaBank increased slightly from 33.11% as of March 31, 2011 to 88.68% as of March 31, 2012, resulting in a negative change of 167.82%. This indicates that the balance sheet and financial strength for VistaBank has declined slightly in recent periods. Deposit Growth In the past year, VistaBank has decreased its total deposits by -$7.61 million, resulting in -7.48% 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 VistaBank has shown is poor. 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. VistaBank has $106.02 million in assets with $9.54 million in equity, resulting in a capitalization level of 9.00%, which is average.

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