FDIC Certificate #: 58276 Status: Active Federal Reserve ID: 3451050 Date Established: June 26, 2006 WWW:http://www.rivervalleycommunitybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 445235 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: June 26, 2006 Last Structure Change Effective Date: November 14, 2006 Last Structure Change Process Date: December 08, 2006 Last Data Update: December 08, 2006 Data Source Date: April 05, 2012
Location
Address: 1629 Colusa Highway, Yuba City, CA 95993 County: Sutter 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): Yuba City, CA (#9340) Combined Statistical Area (CSA): Sacramento-Arden-Arcade-Yuba City, CA-NV (#472) Core Based Statistical Area (CBSA): Yuba City, CA (#49700) CBSA Metro Statistical Area: Yuba City, CA (#49700)
History of Changes
Change in Location
Financial Summary
Total assets: $139.8 mil Equity capital: $18.3 mil Deposits held in domestic offices: $121.2 mil Return on assets (ROA): 0.91% ($1.3 mil) Quarterly return on assets: 0.91% ($1.3 mil) Return on Equity (ROE): 7.26% ($1.3 mil) Quarterly return on equity: 6.78% ($1.2 mil) Net income: $1.3 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.33% ($1,859.8 mil) Quarterly Pretax return on assets: 1.33% ($1,859.8 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$139,832Total assets
$16,114Cash and due from depository institutions
$10,425Interest-bearing balances
$73,504Securities
$998Federal funds sold & reverse repurchase agreements
$45,330Net loans & leases
$1,594Loan loss allowance
$0Trading account assets
$2,232Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$139,832Life insurance assets
$1,654All other assets
$121,514Total liabilities and capital
$121,160Total liabilities
$88,422Total deposits
$121,160Interest-bearing deposits
$68Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$354Subordinated debt
$18,318All other liabilities
$18,318Total equity capital
$18,318Total bank equity capital
$0Perpetual preferred stock
$13,703Common stock
$608Surplus
$4,007Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$134Income earned, not collected on loans
$0Earning assets
$570Long-term assets (5+ years)
$130,257Average Assets, year-to-date
$36,468Average Assets, quarterly
$137,920Volatile liabilities
$135,902Insider loans
$71,028FHLB advances
$134,544Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,073Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,698Restructured Loans and leases
$5,343Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,060Total interest income
$446Total interest expense
$4,614Net interest income
$176Provision for loan and lease losses
$177Total noninterest income
$0Fiduciary activities
$86Service charges on deposit accounts
$0Trading account gains & fees
$91Additional noninterest income
$2,827Total noninterest expense
$1,659Salaries and employee benefits
$215Premises and equipment expense
$953Additional noninterest expense
$1,788Pre-tax net operating income
$53Securities gains (losses)
$585Applicable income taxes
$1,256Income before extraordinary items
$0Extraordinary gains - net
$1,256Net income attributable to bank
$0Net charge-offs
$1,256Cash dividends
$35Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.94%Yield on earning assets
0.35%Cost of funding earning assets
3.60%Net interest margin
0.14%Noninterest income to earning assets
2.20%Noninterest expense to earning assets
0.88%Net operating income to assets
0.91%Return on assets (ROA)
1.33%Pretax return on assets
7.26%Return on equity (ROE)
7.26%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
502.86%Credit loss provision to net charge-offs
56.11%Efficiency ratio
59,006Assets per employee
7.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.40%Loss allowance to noncurrent loans
1189.55%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.29%Net loans and leases to deposits
37.41%Net loans and leases to core deposits
40.99%Equity capital to assets
13.10%Core capital (leverage) ratio
12.69%Tier 1 risk-based capital ratio
24.04%Total risk-based capital ratio
Memoranda
$25Average assets
$137,920Average earning assets
$17,310Average equity
$128,291Average loans
List of branches
1 California Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
445235
River Valley Community Bank
1629 Colusa Highway, Yuba City, CA 95993
June 26, 2006
Full Service Brick and Mortar
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