Institution Statistics
| Springs Valley Bank & Trust Company | | FDIC Certificate # | 4419 | | BankRate Report | View | | Year Established | 1902 | | Employees | 72 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $228.45 million | | Loans | $147.48 million | | Deposits | $182.80 million | | Equity Capital | $26.75 million | | Loan Loss Allowance | $4.71 million | | Unbacked Noncurrent Loans | $5.62 million | | Real Estate Owned | $323,000 |
Historic Data - March 2011 | | Assets | $231.92 million | | Equity Capital | $24.25 million | | Loan Loss Allowance | $5.81 million | | Unbacked Noncurrent Loans | $13.91 million | | Real Estate Owned | $1.19 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.39% | | Return on Assets | 0.89% | | Return on Equity | 7.73% | | Interest Income | $2.76 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 Springs Valley Bank & Trust Company had $5.95 million in non-current loans and owned real-estate with $31.46 million in equity and loan loss allowances on hand to cover it. This gives Springs Valley Bank & Trust Company a Texas Ratio of 18.90% 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 Springs Valley Bank & Trust Company decreased significantly from 50.22% as of March 31, 2011 to 18.90% as of March 31, 2012, resulting in a positive change of 62.37%.This indicates that the balance sheet and financial strength for Springs Valley Bank & Trust Company has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Springs Valley Bank & Trust Company has decreased its total deposits by -$5.09 million, resulting in -2.71% 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 Springs Valley Bank & Trust Company has shown is below average. | | 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. Springs Valley Bank & Trust Company has $228.45 million in assets with $31.46 million in equity, resulting in a capitalization level of 13.77%, which is excellent. |
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