Institution Statistics
| Sauk Valley Bank & Trust Company | | FDIC Certificate # | 35131 | | BankRate Report | View | | Year Established | 1999 | | Employees | 54 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $253.01 million | | Loans | $145.17 million | | Deposits | $212.55 million | | Equity Capital | $21.31 million | | Loan Loss Allowance | $2.21 million | | Unbacked Noncurrent Loans | $942,000 | | Real Estate Owned | $556,000 |
Historic Data - March 2011 | | Assets | $220.07 million | | Equity Capital | $19.51 million | | Loan Loss Allowance | $2.26 million | | Unbacked Noncurrent Loans | $2.01 million | | Real Estate Owned | $454,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.86% | | Return on Assets | 1.04% | | Return on Equity | 12.2% | | Interest Income | $2.65 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, 2012 Sauk Valley Bank & Trust Company had $1.5 million in non-current loans and owned real-estate with $23.52 million in equity and loan loss allowances on hand to cover it. This gives Sauk Valley Bank & Trust Company a Texas Ratio of 6.37% 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 Sauk Valley Bank & Trust Company decreased significantly from 11.33% as of March 31, 2011 to 6.37% as of March 31, 2012, resulting in a positive change of 43.79%.This indicates that the balance sheet and financial strength for Sauk Valley Bank & Trust Company has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Sauk Valley Bank & Trust Company has increased its total deposits by $26.45 million, resulting in 14.21% 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 Sauk Valley Bank & Trust Company 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. Sauk Valley Bank & Trust Company has $253.01 million in assets with $23.52 million in equity, resulting in a capitalization level of 9.30%, which is average. |
|
