Institution Statistics
| San Luis Valley Federal Bank | | OTS # | 01142 | | FDIC Certificate # | 28208 | | BankRate Report | View | | Year Established | 1899 | | Employees | 64 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $248.60 million | | Loans | $151.33 million | | Deposits | $209.90 million | | Equity Capital | $33.93 million | | Loan Loss Allowance | $1.89 million | | Unbacked Noncurrent Loans | $1.89 million | | Real Estate Owned | $1.23 million |
Historic Data - March 2011 | | Assets | $214.72 million | | Equity Capital | $31.25 million | | Loan Loss Allowance | $1.20 million | | Unbacked Noncurrent Loans | $805,000 | | Real Estate Owned | $511,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.05% | | Return on Assets | 0.89% | | Return on Equity | 6.41% | | Interest Income | $2.61 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 March 31, 2012 San Luis Valley Federal Bank had $3.12 million in non-current loans and owned real-estate with $35.82 million in equity and loan loss allowances on hand to cover it. This gives San Luis Valley Federal Bank a Texas Ratio of 8.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for San Luis Valley Federal Bank held steady from 3.86% as of March 31, 2011 to 8.72% as of March 31, 2012, resulting in a negative change of 126.25%. This indicates that the balance sheet and financial strength for San Luis Valley Federal Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, San Luis Valley Federal Bank has increased its total deposits by $32.45 million, resulting in 18.29% 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 San Luis Valley Federal 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. San Luis Valley Federal Bank has $248.6 million in assets with $35.82 million in equity, resulting in a capitalization level of 14.41%, which is excellent. |
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