Institution Statistics
| Adams County Building and Loan Company | | OTS # | 08120 | | FDIC Certificate # | 32304 | | BankRate Report | View | | Year Established | 1907 | | Employees | 6 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $26.11 million | | Loans | $14.02 million | | Deposits | $22.08 million | | Equity Capital | $4.00 million | | Loan Loss Allowance | $200,000 | | Unbacked Noncurrent Loans | $817,000 | | Real Estate Owned | $260,000 |
Historic Data - December 2010 | | Assets | $25.97 million | | Equity Capital | $3.98 million | | Loan Loss Allowance | $200,000 | | Unbacked Noncurrent Loans | $905,000 | | Real Estate Owned | $185,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.51% | | Return on Assets | 0.22% | | Return on Equity | 1.43% | | Interest Income | $1.18 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 Adams County Building and Loan Company had $1.08 million in non-current loans and owned real-estate with $4.2 million in equity and loan loss allowances on hand to cover it. This gives Adams County Building and Loan Company a Texas Ratio of 25.62% 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 Adams County Building and Loan Company held steady from 26.09% as of December 31, 2010 to 25.62% as of December 31, 2011, resulting in a positive change of 1.80%.This indicates that the balance sheet and financial strength for Adams County Building and Loan Company has held steady in recent periods. | | Deposit Growth | | | In the past year, Adams County Building and Loan Company has increased its total deposits by $138,000, resulting in 0.63% 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 County Building and Loan Company has shown is 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. Adams County Building and Loan Company has $26.11 million in assets with $4.2 million in equity, resulting in a capitalization level of 16.10%, which is excellent. |
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