Rancho Santa Fe Thrift & Loan Association

Rancho Santa Fe Thrift & Loan Association is headquartered in San Marcos and is the 249^th largest bank in the state of California. It is also the 6,963^rd largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 10 employees at 1 location. Rancho Santa Fe Thrift & Loan Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Rancho Santa Fe Thrift & Loan Association FDIC Certificate # 25803 BankRate Report View Year Established 1982 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $29.30 million Loans $9.67 million Deposits $643,000 Equity Capital $27.12 million Loan Loss Allowance $395,000 Unbacked Noncurrent Loans $118,000 Historic Data - March 2011 Assets $45.88 million Equity Capital $25.87 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $115,000 Profit Margin - Quarterly Net Interest Margin 7.34% Return on Assets 3.6% Return on Equity 4.3% Interest Income $572,000

Institution Health Overall Score: 4 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 Rancho Santa Fe Thrift & Loan Association had $118,000 in non-current loans and owned real-estate with $27.52 million in equity and loan loss allowances on hand to cover it. This gives Rancho Santa Fe Thrift & Loan Association a Texas Ratio of 0.43% 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 Rancho Santa Fe Thrift & Loan Association held steady from 0.41% as of March 31, 2011 to 0.43% as of March 31, 2012, resulting in a negative change of 5.59%. This indicates that the balance sheet and financial strength for Rancho Santa Fe Thrift & Loan Association has held steady in recent periods. Deposit Growth In the past year, Rancho Santa Fe Thrift & Loan Association has decreased its total deposits by $-423,000, resulting in -39.68% 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 Rancho Santa Fe Thrift & Loan Association has shown is poor. 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. Rancho Santa Fe Thrift & Loan Association has $29.3 million in assets with $27.52 million in equity, resulting in a capitalization level of 93.92%, which is excellent.

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