El Dorado Savings Bank, F.S.B.

El Dorado Savings Bank, F.S.B. Locations

4040 El Dorado Road
Placerville, CA 95667
800-874-9779
www.eldoradosavingsbank.com

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El Dorado Savings Bank, F.S.B. is headquartered in Placerville and is the 32^nd largest bank in the state of California. It is also the 376^th largest bank in the nation. It was established in 1956 and as of March of 2013, it had grown to 303 employees at 35 locations. El Dorado Savings Bank, F.S.B. has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

El Dorado Savings Bank, F.S.B. Checking Account Rates

Apy	Min	Max	Product
0.02%	$500	-	Personal Interest Checking
0.02%	$2,500	-	Business Interest Checking

El Dorado Savings Bank, F.S.B. Savings Account Rates

Apy	Min	Max	Product
0.03%	$300	-	Personal Regular Savings
0.03%	$300	-	Business Regular Savings

El Dorado Savings Bank, F.S.B. Money Market Rates

Apy	Min	Max	Product
0.16%	$100k	-	Gold Money Market Savings
0.16%	$100k	-	Business Money Market Savings
0.13%	$100k	-	Investor's Money Market Checking

El Dorado Savings Bank, F.S.B. CD Rates

Apy	Min	Max	Product
1.15%	$99k	-	5 Year Jumbo CD
1.15%	$99k	-	Business 5 Year Jumbo CD
1.10%	$500	-	60 Month CD
1.10%	$500	-	Business 60 Month CD
0.60%	$99k	-	3 Year Jumbo CD
0.60%	$99k	-	Business 3 Year Jumbo CD
0.55%	$500	-	36 Month CD
0.55%	$500	-	Business 36 Month CD
0.50%	$500	-	30 Month CD
0.50%	$500	-	Business 30 Month CD
0.40%	$500	-	24 Month CD
0.40%	$10k	-	25 Month CD
0.40%	$99k	-	2 Year Jumbo CD
0.40%	$500	-	Business 24 Month CD
0.40%	$10k	-	Business 25 Month CD
0.40%	$99k	-	Business 2 Year Jumbo CD
0.35%	$500	-	18 Month CD
0.35%	$500	-	Business 18 Month CD
0.30%	$10k	-	15 Month CD
0.30%	$10k	-	Business 15 Month CD
0.25%	$10k	-	14 Month CD
0.25%	$99k	-	270-365 Day Jumbo CD
0.25%	$10k	-	Business 14 Month CD
0.25%	$99k	-	Business 270-365 Day Jumbo CD
0.20%	$10k	-	9 Month CD
0.20%	$10k	-	10 Month CD
0.20%	$500	-	12 Month CD
0.20%	$99k	-	180-239 Day Jumbo CD
0.20%	$99k	-	240-269 Day Jumbo CD
0.20%	$10k	-	Business 9 Month CD
0.20%	$10k	-	Business 10 Month CD
0.20%	$500	-	Business 12 Month CD
0.20%	$99k	-	Business 180-239 Day Jumbo CD
0.20%	$99k	-	Business 240-269 Day Jumbo CD
0.18%	$10k	-	8 Month CD
0.18%	$99k	-	150-179 Day Jumbo CD
0.18%	$10k	-	Business 8 Month CD
0.18%	$99k	-	Business 150-179 Day Jumbo CD
0.16%	$500	-	6 Month CD
0.16%	$10k	-	7 Month CD
0.16%	$500	-	Business 6 Month CD
0.16%	$10k	-	Business 7 Month CD
0.15%	$10k	-	5 Month CD
0.15%	$99k	-	90-119 Day Jumbo CD
0.15%	$99k	-	120-149 Day Jumbo CD
0.15%	$10k	-	Business 5 Month CD
0.15%	$99k	-	Business 90-119 Day Jumbo CD
0.15%	$99k	-	Business 120-149 Day Jumbo CD
0.12%	$10k	-	4 Month CD
0.12%	$99k	-	30-59 Day Jumbo CD
0.12%	$99k	-	60-89 Day Jumbo CD
0.12%	$10k	-	Business 4 Month CD
0.12%	$99k	-	Business 30-59 Day Jumbo CD
0.12%	$99k	-	Business 60-89 Day Jumbo CD
0.10%	$10k	-	1 Month CD
0.10%	$10k	-	2 Month CD
0.10%	$500	-	3 Month CD
0.10%	$10k	-	Business 1 Month CD
0.10%	$10k	-	Business 2 Month CD
0.10%	$500	-	Business 3 Month CD
0.10%	$10k	-	Business 3 Month CD

El Dorado Savings Bank, F.S.B. IRA Rates

Apy	Min	Max	Product
0.45%	$250	-	18 Month IRA CD
0.45%	$250	-	18 Month Roth IRA CD
0.45%	$250	-	18 Month Coverdell ESA
0.45%	$250	-	18 Month SEP IRA CD

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

El Dorado Savings Bank, F.S.B.
OTS #	06164
FDIC Certificate #	30953
BankRate Report	View
Year Established	1956
Employees	303
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.84 billion
Loans	$412.14 million
Deposits	$1.66 billion
Equity Capital	$175.60 million
Loan Loss Allowance	$10.38 million
Unbacked Noncurrent Loans	$1.16 million
Real Estate Owned	$1.68 million
Historic Data - March 2012
Assets	$1.76 billion
Equity Capital	$169.30 million
Loan Loss Allowance	$9.00 million
Unbacked Noncurrent Loans	$1.80 million
Real Estate Owned	$1.02 million
Profit Margin - Quarterly
Net Interest Margin	2.18%
Return on Assets	0.37%
Return on Equity	3.82%
Interest Income	$10.67 million

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 March 31, 2013 El Dorado Savings Bank, F.S.B. had $2.83 million in non-current loans and owned real-estate with $185.98 million in equity and loan loss allowances on hand to cover it. This gives El Dorado Savings Bank, F.S.B. a Texas Ratio of 1.52% 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 El Dorado Savings Bank, F.S.B. held steady from 1.58% as of March 31, 2012 to 1.52% as of March 31, 2013, resulting in a positive change of 3.62%.This indicates that the balance sheet and financial strength for El Dorado Savings Bank, F.S.B. has held steady in recent periods.
Deposit Growth
In the past year, El Dorado Savings Bank, F.S.B. has increased its total deposits by $74.78 million, resulting in 4.73% 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 El Dorado Savings Bank, F.S.B. has shown is above average.
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. El Dorado Savings Bank, F.S.B. has $1.84 billion in assets with $185.98 million in equity, resulting in a capitalization level of 10.13%, which is above average.

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