Institution Statistics
| Bank of Feather River | | FDIC Certificate # | 58630 | | BankRate Report | View | | Year Established | 2007 | | Employees | 14 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $51.14 million | | Loans | $40.46 million | | Deposits | $43.72 million | | Equity Capital | $7.32 million | | Loan Loss Allowance | $701,000 | | Unbacked Noncurrent Loans | $225,000 |
Historic Data - December 2010 | | Assets | $38.93 million | | Equity Capital | $6.42 million | | Loan Loss Allowance | $479,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.48% | | Return on Assets | 2.03% | | Return on Equity | 13.49% | | Interest Income | $2.60 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Feather River had $225,000 in non-current loans and owned real-estate with $8.02 million in equity and loan loss allowances on hand to cover it. This gives Bank of Feather River a Texas Ratio of 2.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Bank of Feather River has increased its total deposits by $11.31 million, resulting in 34.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Feather River has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Feather River has $51.14 million in assets with $8.02 million in equity, resulting in a capitalization level of 15.68%, which is excellent. |
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