Institution Statistics
| Cache Valley Bank | | FDIC Certificate # | 22134 | | BankRate Report | View | | Year Established | 1975 | | Employees | 106 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $488.02 million | | Loans | $309.33 million | | Deposits | $426.62 million | | Equity Capital | $52.10 million | | Loan Loss Allowance | $6.04 million | | Unbacked Noncurrent Loans | $1.79 million | | Real Estate Owned | $1.66 million |
Historic Data - December 2010 | | Assets | $278.47 million | | Equity Capital | $35.79 million | | Loan Loss Allowance | $4.95 million | | Unbacked Noncurrent Loans | $1.08 million | | Real Estate Owned | $1.76 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.81% | | Return on Assets | 4.83% | | Return on Equity | 39.08% | | Interest Income | $16.75 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 Cache Valley Bank had $3.45 million in non-current loans and owned real-estate with $58.14 million in equity and loan loss allowances on hand to cover it. This gives Cache Valley Bank a Texas Ratio of 5.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Cache Valley Bank held steady from 6.81% as of December 31, 2010 to 5.93% as of December 31, 2011, resulting in a positive change of 13.02%.This indicates that the balance sheet and financial strength for Cache Valley Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Cache Valley Bank has increased its total deposits by $187.12 million, resulting in 78.13% 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 Cache Valley Bank 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. Cache Valley Bank has $488.02 million in assets with $58.14 million in equity, resulting in a capitalization level of 11.91%, which is above average. |
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