Bank of Sacramento is headquartered in Sacramento and is the 92nd largest bank in the state of California. It is also the 1,443rd largest bank in the nation. It was established in 1998 and as of March of 2014, it had grown to 66 employees at 4 locations. Bank of Sacramento has a B+ health rating.
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The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of Sacramento had $4.07 million in non-current loans and owned real-estate with $47.83 million in equity and loan loss allowances on hand to cover it. This gives Bank of Sacramento a Texas Ratio of 8.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Bank of Sacramento experienced no significant changes from 6.52% as of March 31, 2013 to 8.51% as of March 31, 2014, resulting in a negative change of 30.46%. This indicates that the balance sheet and financial strength for Bank of Sacramento has had no significant changes in recent periods.
In the past year, Bank of Sacramento has decreased its total deposits by -$16.16 million, resulting in -4.23% 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 Sacramento has shown is below average.
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 Sacramento has $468.4 million in assets with $47.83 million in equity, resulting in a capitalization level of 10.21%, which is above average.
|FDIC Certificate #||34713|
|Assets and Liabilities|
|Equity Capital||$43.84 million|
|Loan Loss Allowance||$4.00 million|
|Unbacked Noncurrent Loans||$1.45 million|
|Real Estate Owned||$2.62 million|
|Historic Data - March 2013|
|Equity Capital||$43.53 million|
|Loan Loss Allowance||$4.15 million|
|Real Estate Owned||$3.11 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.42%|
|Return on Assets||0.59%|
|Return on Equity||6.29%|
|Interest Income||$4.05 million|
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|Bank of Sacramento Locations|
|Capital Bbc Branch||1415 L Street, Suite 100||Sacramento, CA 95814|
|Roseville Office Branch||1478 Stone Point Drive, Suite 200||Roseville, CA 95661|
|Bank Of Sacramento||1750 Howe Avenue, Suite 100||Sacramento, CA 95825|
|Rancho Cordova Bbc Branch||2882 Prospect Park Drive, Suite 240||Rancho Cordova, CA 95670|