Institution Statistics
| Adams Dairy Bank | | OTS # | 18056 | | FDIC Certificate # | 58697 | | BankRate Report | View | | Year Established | 2008 | | Employees | 10 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $55.34 million | | Loans | $37.97 million | | Deposits | $43.13 million | | Equity Capital | $7.13 million | | Loan Loss Allowance | $903,000 | | Unbacked Noncurrent Loans | $338,000 | | Real Estate Owned | $2.15 million |
Historic Data - December 2010 | | Assets | $51.69 million | | Equity Capital | $7.31 million | | Loan Loss Allowance | $752,000 | | Unbacked Noncurrent Loans | $778,000 | | Real Estate Owned | $896,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.3% | | Return on Assets | -0.39% | | Return on Equity | -2.85% | | Interest Income | $2.57 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 December 31, 2011 Adams Dairy Bank had $2.49 million in non-current loans and owned real-estate with $8.04 million in equity and loan loss allowances on hand to cover it. This gives Adams Dairy Bank a Texas Ratio of 30.96% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Adams Dairy Bank increased slightly from 20.77% as of December 31, 2010 to 30.96% as of December 31, 2011, resulting in a negative change of 49.05%. This indicates that the balance sheet and financial strength for Adams Dairy Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Adams Dairy Bank has increased its total deposits by $5.36 million, resulting in 14.18% 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 Dairy Bank 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 Dairy Bank has $55.34 million in assets with $8.04 million in equity, resulting in a capitalization level of 14.52%, which is excellent. |
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