Bank of Rio Vista in city_name, state_name - Detailed Financial Reports, Location

Bank of Rio Vista in Rio Vista, California (CA)
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Bank of Rio Vista routing number info

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Bank of Rio Vista - Overview

General
FDIC 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
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

No	ID	Name	Address	Established	Service Type
0	5387	Bank Of Rio Vista	101 Main Street, Rio Vista, CA 94571	April 12, 1904	Full Service Brick and Mortar
3	190091	Walnut Grove Office	14211 River Road, Walnut Grove, CA 95690	September 28, 1981	Full Service Brick and Mortar
4	447002	Valley Springs Office	2 Nove Way, Valley Springs, CA 95252	January 18, 2006	Full Service Brick and Mortar

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

Bank of Rio Vista - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Bank of Rio Vista - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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