Institution Statistics
| Adrian Bank | | FDIC Certificate # | 8251 | | BankRate Report | View | | Year Established | 1932 | | Employees | 29 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $118.06 million | | Loans | $84.10 million | | Deposits | $105.41 million | | Equity Capital | $10.37 million | | Loan Loss Allowance | $1.05 million | | Unbacked Noncurrent Loans | $2.75 million | | Real Estate Owned | $554,000 |
Historic Data - December 2010 | | Assets | $112.86 million | | Equity Capital | $9.06 million | | Loan Loss Allowance | $1.41 million | | Unbacked Noncurrent Loans | $2.05 million | | Real Estate Owned | $26,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.28% | | Return on Assets | 1.42% | | Return on Equity | 16.59% | | Interest Income | $6.03 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 Adrian Bank had $3.3 million in non-current loans and owned real-estate with $11.43 million in equity and loan loss allowances on hand to cover it. This gives Adrian Bank a Texas Ratio of 28.89% 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 Adrian Bank increased slightly from 19.78% as of December 31, 2010 to 28.89% as of December 31, 2011, resulting in a negative change of 46.08%. This indicates that the balance sheet and financial strength for Adrian Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Adrian Bank has increased its total deposits by $3.99 million, resulting in 3.93% 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 Adrian 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. Adrian Bank has $118.06 million in assets with $11.43 million in equity, resulting in a capitalization level of 9.68%, which is average. |
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