Institution Statistics
| Oak Creek Valley Bank | | FDIC Certificate # | 8355 | | BankRate Report | View | | Year Established | 1899 | | Employees | 10 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $65.20 million | | Loans | $37.51 million | | Deposits | $53.81 million | | Equity Capital | $8.09 million | | Loan Loss Allowance | $390,000 |
Historic Data - March 2011 | | Assets | $59.77 million | | Equity Capital | $6.64 million | | Loan Loss Allowance | $390,000 | | Unbacked Noncurrent Loans | $6,000 | | Real Estate Owned | $32,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.92% | | Return on Assets | 2.71% | | Return on Equity | 22.34% | | Interest Income | $742,000 |
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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 March 31, 2012 Oak Creek Valley Bank had $0 in non-current loans and owned real-estate with $8.48 million in equity and loan loss allowances on hand to cover it. This gives Oak Creek Valley Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Oak Creek Valley Bank has increased its total deposits by $3.31 million, resulting in 6.55% 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 Oak Creek 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. Oak Creek Valley Bank has $65.2 million in assets with $8.48 million in equity, resulting in a capitalization level of 13.01%, which is excellent. |
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