Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 10.4. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability.
Asset Mix:
Comm re (38%), securities (34%), cash (7%), comm loans (5%), home mtgs (2%), home eq lns (1%), other (13%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
River Valley Community Bancorp
Investment Rating
--
Address
1629 Colusa Avenue
Yuba City, CA 95993
Yuba City, CA 95993
Phone Number
(530) 755-0418
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.