Institution Statistics
| 1st Bank of Troy | | FDIC Certificate # | 4788 | | BankRate Report | View | | Year Established | 1870 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $24.98 million | | Loans | $11.12 million | | Deposits | $22.73 million | | Equity Capital | $2.16 million | | Loan Loss Allowance | $172,000 |
Historic Data - December 2010 | | Assets | $23.44 million | | Equity Capital | $2.10 million | | Loan Loss Allowance | $112,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.81% | | Return on Assets | 0.42% | | Return on Equity | 4.59% | | Interest Income | $1.04 million |
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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 December 31, 2011 1st Bank of Troy had $0 in non-current loans and owned real-estate with $2.33 million in equity and loan loss allowances on hand to cover it. This gives 1st Bank of Troy a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, 1st Bank of Troy has increased its total deposits by $1.44 million, resulting in 6.76% 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 1st Bank of Troy 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. 1st Bank of Troy has $24.98 million in assets with $2.33 million in equity, resulting in a capitalization level of 9.34%, which is average. |
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