Institution Statistics
| FDIC Certificate # | 57962 | | BankRate Report | View | | Year Established | 2005 | | Employees | 16 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $54.81 million | | Loans | $25.22 million | | Deposits | $47.09 million | | Equity Capital | $7.51 million | | Loan Loss Allowance | $60,000 | | Unbacked Noncurrent Loans | $116,000 |
Historic Data - March 2009 | | Assets | $56.86 million | | Equity Capital | $8.43 million | | Loan Loss Allowance | $60,000 | | Unbacked Noncurrent Loans | $322,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.84% | | Return on Assets | 0.39% | | Return on Equity | 2.84% | | Interest Income | $783,000 |
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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 March 31, 2010 ADB Bank had $116,000 in non-current loans and owned real-estate with $7.57 million in equity and loan loss allowances on hand to cover it. This gives ADB Bank a Texas Ratio of 1.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for ADB Bank decreased slightly from 3.79% as of March 31, 2009 to 1.53% as of March 31, 2010, resulting in a positive change of 59.55%.This indicates that the balance sheet and financial strength for ADB Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, ADB Bank has decreased it's total deposits by $-985,000, resulting in -2.05% 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 ADB Bank 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. ADB Bank has $54.81 million in assets with $7.57 million in equity, resulting in a capitalization level of 13.80%, which is average. |
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