Folsom Lake Bank Ca (Folsom Lake Bank Ca) Cash-to-Debt : 1.53 (As of Sep. 2007)

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What is Folsom Lake Bank Ca Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Folsom Lake Bank Ca's cash to debt ratio for the quarter that ended in Sep. 2007 was 1.53.

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Folsom Lake Bank Ca could pay off its debt using the cash in hand for the quarter that ended in Sep. 2007.

The historical rank and industry rank for Folsom Lake Bank Ca's Cash-to-Debt or its related term are showing as below:

FOLB's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.29
* Ranked among companies with meaningful Cash-to-Debt only.

Folsom Lake Bank Ca Cash-to-Debt Historical Data

The historical data trend for Folsom Lake Bank Ca's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Folsom Lake Bank Ca Cash-to-Debt Chart

Folsom Lake Bank Ca Annual Data

Trend

Cash-to-Debt

Folsom Lake Bank Ca Quarterly Data
	Jun07	Sep07
Cash-to-Debt	No Debt	1.53

Competitive Comparison of Folsom Lake Bank Ca's Cash-to-Debt

For the Banks - Regional subindustry, Folsom Lake Bank Ca's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Folsom Lake Bank Ca's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Folsom Lake Bank Ca's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Folsom Lake Bank Ca's Cash-to-Debt falls into.

Folsom Lake Bank Ca Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Folsom Lake Bank Ca's Cash to Debt Ratio for the fiscal year that ended in . 20 is calculated as:

Do not have enough data to calculate Cash to Debt ratio.

Folsom Lake Bank Ca's Cash to Debt Ratio for the quarter that ended in Sep. 2007 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	0.459	/	(0	+	0.3)
	=	1.53

Folsom Lake Bank Ca (OTCPK:FOLB) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Folsom Lake Bank Ca Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Folsom Lake Bank Ca's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Folsom Lake Bank Ca (Folsom Lake Bank Ca) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Folsom Lake Bank Ca (OTCPK:FOLB) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.folsomlakebank.com

Folsom Lake Bank opened its doors for the first time on April 3, 2007. Folsom Lake Bank is a full service commercial bank offering a complete range of services to consumers and businesses. The bank focuses on small business clients, professionals and individuals in the communities surrounding Folsom Lake. The bank has a full service ATM located in the courtyard along with a merchant depository for after hours deposits. Folsom Lake Bank also offers online banking and bill pay completely free of charge. Because the bank is new, it utilizes the most current products and the latest technology.

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