Institution Statistics
| Abington Bank | | FDIC Certificate # | 26549 | | BankRate Report | View | | Year Established | 1888 | | Employees | 21 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $101.04 million | | Loans | $73.84 million | | Deposits | $83.84 million | | Equity Capital | $9.39 million | | Loan Loss Allowance | $658,000 | | Unbacked Noncurrent Loans | $917,000 |
Historic Data - December 2010 | | Assets | $94.64 million | | Equity Capital | $8.73 million | | Loan Loss Allowance | $572,000 | | Unbacked Noncurrent Loans | $266,000 | | Real Estate Owned | $587,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.75% | | Return on Assets | 0.44% | | Return on Equity | 4.74% | | Interest Income | $4.26 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 December 31, 2011 Abington Bank had $917,000 in non-current loans and owned real-estate with $10.04 million in equity and loan loss allowances on hand to cover it. This gives Abington Bank a Texas Ratio of 9.13% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Abington Bank held steady from 9.17% as of December 31, 2010 to 9.13% as of December 31, 2011, resulting in a positive change of 0.40%.This indicates that the balance sheet and financial strength for Abington Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Abington Bank has increased its total deposits by $3.21 million, resulting in 3.99% 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 Abington 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. Abington Bank has $101.04 million in assets with $10.04 million in equity, resulting in a capitalization level of 9.94%, which is average. |
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