Institution Statistics
| Vista Bank | | FDIC Certificate # | 1210 | | BankRate Report | View | | Year Established | 1912 | | Employees | 72 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $227.63 million | | Loans | $111.90 million | | Deposits | $201.28 million | | Equity Capital | $25.37 million | | Loan Loss Allowance | $1.58 million | | Unbacked Noncurrent Loans | $4.49 million |
Historic Data - March 2011 | | Assets | $211.37 million | | Equity Capital | $17.52 million | | Loan Loss Allowance | $1.18 million | | Unbacked Noncurrent Loans | $219,000 | | Real Estate Owned | $57,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.83% | | Return on Assets | 0.18% | | Return on Equity | 1.62% | | Interest Income | $2.24 million |
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Institution Health
Overall Score:
3 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 Vista Bank had $4.49 million in non-current loans and owned real-estate with $26.95 million in equity and loan loss allowances on hand to cover it. This gives Vista Bank a Texas Ratio of 16.67% 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 Vista Bank increased slightly from 1.48% as of March 31, 2011 to 16.67% as of March 31, 2012, resulting in a negative change of 1,029.05%. This indicates that the balance sheet and financial strength for Vista Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Vista Bank has increased its total deposits by $8 million, resulting in 4.14% 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 Vista Bank has shown is above 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. Vista Bank has $227.63 million in assets with $26.95 million in equity, resulting in a capitalization level of 11.84%, which is above average. |
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