Institution Statistics
| Santa Cruz County Bank | | FDIC Certificate # | 57591 | | BankRate Report | View | | Year Established | 2004 | | Employees | 66 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $325.68 million | | Loans | $195.60 million | | Deposits | $295.35 million | | Equity Capital | $26.97 million | | Loan Loss Allowance | $4.41 million | | Unbacked Noncurrent Loans | $3.13 million | | Real Estate Owned | $3.26 million |
Historic Data - March 2011 | | Assets | $280.09 million | | Equity Capital | $24.18 million | | Loan Loss Allowance | $3.58 million | | Unbacked Noncurrent Loans | $111,000 | | Real Estate Owned | $4.30 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.36% | | Return on Assets | 0.71% | | Return on Equity | 8.61% | | Interest Income | $3.37 million |
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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 Santa Cruz County Bank had $6.39 million in non-current loans and owned real-estate with $31.38 million in equity and loan loss allowances on hand to cover it. This gives Santa Cruz County Bank a Texas Ratio of 20.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Santa Cruz County Bank held steady from 15.89% as of March 31, 2011 to 20.37% as of March 31, 2012, resulting in a negative change of 28.16%. This indicates that the balance sheet and financial strength for Santa Cruz County Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Santa Cruz County Bank has increased its total deposits by $43.18 million, resulting in 17.12% 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 Santa Cruz County 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. Santa Cruz County Bank has $325.68 million in assets with $31.38 million in equity, resulting in a capitalization level of 9.64%, which is average. |
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