Bank of Rio Vista in Rio Vista, California (CA)



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Bank of Rio Vista routing number info

Table of contents:
Bank of Rio Vista
GeneralFDIC Certificate #: 8472
Status: Active
Federal Reserve ID: 685368
Date Established: April 12, 1904
WWW: http://www.bankofriovista.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)40
Total assets$180,099
Cash and due from depository institutions$9,150
Interest-bearing balances$3,338
Securities$73,839
Federal funds sold & reverse repurchase agreements$11,085
Net loans & leases$74,422
Loan loss allowance $1,631
Trading account assets$0
Bank premises and fixed assets$1,032
Other real estate owned$86
Goodwill and other intangibles$0
All other assets$10,485
Life insurance assets$180,099
Total liabilities and capital$157,518
Total liabilities$156,064
Total deposits$117,032
Interest-bearing deposits$156,064
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$232
Other borrowed funds $0
Subordinated debt $1,222
All other liabilities $22,581
Total equity capital$22,581
Total bank equity capital$22,581
Perpetual preferred stock$0
Common stock$400
Surplus$1,600
Undivided profits $20,581
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $8,905
Earning assets $0
Long-term assets (5+ years) $1,022
Average Assets, year-to-date $162,684
Average Assets, quarterly $79,376
Volatile liabilities $174,865
Insider loans $177,804
FHLB advances $104,097
Loans and leases held for sale $173,627
Unused loan commitments $3,961
Tier 1 (core) risk-based capital $3,961
Tier 2 risk-based capital $19,704
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,636
Derivatives$2,529
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,552
Total interest expense $493
Net interest income $6,059
Provision for loan and lease losses $275
Total noninterest income $791
Fiduciary activities $0
Service charges on deposit accounts $252
Trading account gains & fees $0
Additional noninterest income $539
Total noninterest expense $5,617
Salaries and employee benefits $2,723
Premises and equipment expense $508
Additional noninterest expense $2,386
Pre-tax net operating income $958
Securities gains (losses) -$24
Applicable income taxes $289
Income before extraordinary items $645
Extraordinary gains - net $0
Net income attributable to bank $645
Net charge-offs $0
Cash dividends $645
Sale, conversion, retirement of capital stock, net $1,573
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.12%
Cost of funding earning assets 0.31%
Net interest margin 3.81%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 3.53%
Net operating income to assets 0.38%
Return on assets (ROA) 0.37%
Pretax return on assets 0.53%
Return on equity (ROE) 2.96%
Retained earnings to average equity (YTD only) 2.96%
Net charge-offs to loans 1.87%
Credit loss provision to net charge-offs 17.48%
Efficiency ratio0.78%
Assets per employee$82,000
Cash dividends to net income (YTD only)4.50%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.14%
Noncurrent assets plus other real estate owned to assets 18.32%
Noncurrent loans to loans 4.99%
Net loans and leases to deposits11.71%
Net loans and leases to core deposits 47.69%
Equity capital to assets 48.23%
Core capital (leverage) ratio 12.54%
Tier 1 risk-based capital ratio 11.35%
Total risk-based capital ratio 18.93%
Memoranda
Average assets$20
Average earning assets$174,865
Average equity $21,805
Average loans $158,923
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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
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