Institution Statistics
| FDIC Certificate # | 18489 | | BankRate Report | View | | Year Established | 1962 | | Employees | 147 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $498.48 million | | Loans | $439.54 million | | Deposits | $404.29 million | | Equity Capital | $54.89 million | | Loan Loss Allowance | $6.67 million | | Unbacked Noncurrent Loans | $9.98 million | | Real Estate Owned | $5.11 million |
Historic Data - March 2009 | | Assets | $477.83 million | | Equity Capital | $50.63 million | | Loan Loss Allowance | $6.67 million | | Unbacked Noncurrent Loans | $4.85 million | | Real Estate Owned | $3.89 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.91% | | Return on Assets | 0.78% | | Return on Equity | 7.12% | | Interest Income | $7.20 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, 2010 Adams Bank & Trust had $15.09 million in non-current loans and owned real-estate with $61.55 million in equity and loan loss allowances on hand to cover it. This gives Adams Bank & Trust a Texas Ratio of 24.51% 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 Adams Bank & Trust increased significantly from 15.25% as of March 31, 2009 to 24.51% as of March 31, 2010, resulting in a negative change of 60.68%. This indicates that the balance sheet and financial strength for Adams Bank & Trust has declined significantly in recent periods. | | Deposit Growth |  | | In the past year, Adams Bank & Trust has increased it's total deposits by $48.66 million, resulting in 13.68% 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 Adams Bank & Trust 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. Adams Bank & Trust has $498.48 million in assets with $61.55 million in equity, resulting in a capitalization level of 12.35%, which is average. |
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