Bank of Rio Vista in Rio Vista, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Rio Vista - Overview

  • General
  • FDIC Certificate #: 8472
    Status: Active
    Federal Reserve ID: 685368
    Date Established: April 12, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 5387
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Main Street, Rio Vista, CA 94571
    County: Solano
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Sacramento
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Vallejo-Fairfield-Napa, CA (#8720)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): Vallejo-Fairfield, CA (#46700)
    CBSA Metro Statistical Area: Vallejo-Fairfield, CA (#46700)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $180.1 mil
    Equity capital: $22.6 mil
    Deposits held in domestic offices: $156.1 mil
    Return on assets (ROA): 0.37% ($0.7 mil)
    Quarterly return on assets: 0.36% ($0.6 mil)
    Return on Equity (ROE): 2.96% ($0.7 mil)
    Quarterly return on equity: 2.86% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.53% ($954.5 mil)
    Quarterly Pretax return on assets: 0.49% ($882.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $180,099Total assets
  • $9,150Cash and due from depository institutions
  • $3,338Interest-bearing balances
  • $73,839Securities
  • $11,085Federal funds sold & reverse repurchase agreements
  • $74,422Net loans & leases
  • $1,631Loan loss allowance
  • $0Trading account assets
  • $1,032Bank premises and fixed assets
  • $86Other real estate owned
  • $0Goodwill and other intangibles
  • $180,099Life insurance assets
  • $10,485All other assets
  • $157,518Total liabilities and capital
  • $156,064Total liabilities
  • $117,032Total deposits
  • $156,064Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $232Trading liabilities
  • $0Other borrowed funds
  • $1,222Subordinated debt
  • $22,581All other liabilities
  • $22,581Total equity capital
  • $22,581Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $1,600Surplus
  • $20,581Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,905Income earned, not collected on loans
  • $0Earning assets
  • $1,022Long-term assets (5+ years)
  • $162,684Average Assets, year-to-date
  • $79,376Average Assets, quarterly
  • $174,865Volatile liabilities
  • $177,804Insider loans
  • $104,097FHLB advances
  • $173,627Loans and leases held for sale
  • $3,961Unused loan commitments
  • $3,961Tier 1 (core) risk-based capital
  • $19,704Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,636Restructured Loans and leases
  • $2,529Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,552Total interest income
  • $493Total interest expense
  • $6,059Net interest income
  • $275Provision for loan and lease losses
  • $791Total noninterest income
  • $0Fiduciary activities
  • $252Service charges on deposit accounts
  • $0Trading account gains & fees
  • $539Additional noninterest income
  • $5,617Total noninterest expense
  • $2,723Salaries and employee benefits
  • $508Premises and equipment expense
  • $2,386Additional noninterest expense
  • $958Pre-tax net operating income
  • -$24Securities gains (losses)
  • $289Applicable income taxes
  • $645Income before extraordinary items
  • $0Extraordinary gains - net
  • $645Net income attributable to bank
  • $0Net charge-offs
  • $645Cash dividends
  • $1,573Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.12%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 2.96%Return on equity (ROE)
  • 2.96%Retained earnings to average equity (YTD only)
  • 1.87%Net charge-offs to loans
  • 17.48%Credit loss provision to net charge-offs
  • 0.78%Efficiency ratio
  • 82,000Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 18.32%Noncurrent assets plus other real estate owned to assets
  • 4.99%Noncurrent loans to loans
  • 11.71%Net loans and leases to deposits
  • 47.69%Net loans and leases to core deposits
  • 48.23%Equity capital to assets
  • 12.54%Core capital (leverage) ratio
  • 11.35%Tier 1 risk-based capital ratio
  • 18.93%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $174,865Average earning assets
  • $21,805Average equity
  • $158,923Average loans

List of branches

  • 3 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05387Bank Of Rio Vista101 Main Street, Rio Vista, CA 94571April 12, 1904Full Service Brick and Mortar
    3190091Walnut Grove Office14211 River Road, Walnut Grove, CA 95690September 28, 1981Full Service Brick and Mortar
    4447002Valley Springs Office2 Nove Way, Valley Springs, CA 95252January 18, 2006Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Rio Vista.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents